1686 Santa Carolina Rd, Chula Vista, CA, 91913
About This Home
Assumable 2.75% loan for VA buyers. Welcome home to the exclusive Village of Montecito nestled in Otay Ranch! This stunning single family home offers a spacious open floor plan perfect for modern living. The chef's kitchen features granite countertops, stainless steel appliances and walk-in pantry. This home boasts a fully paid off solar array, attached 2-car garage, upstairs loft, private yard, covered patio, laminate flooring downstairs & upstairs laundry. Stay comfortable year-round with central A/C. Enjoy Village of Montecito amenities such as the sparkling pool, clubhouse, fitness center, sport courts, parks and playgrounds. Convenient to all and walking distance to the highly rated Muroaka Elementary and Otay Ranch High School.
Getting Around
Car-Dependent
Minimal Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2011
Materials
- Roof: Tile/Clay
- Construction materials: Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Fire Sprinklers,Garage Door Opener,Microwave,Range/Oven,Refrigerator,Washer
- Laundry features: Gas
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Flooring: Carpet,Wood
- Fireplace features: N/K
- Common walls with other units/homes: Detached
Heating & Cooling
- Heating features: Forced Air Unit
- Cooling features: Central Forced Air
Interior Area
- Total structure area: 1,917
- Total interior livable area: 1,917 sqft
Property
Details
- Parcel number: 6443301600
Features
- Levels: 2 Story
- Pool features: Community/Common
- Patio & porch: Awning/Porch Covered
- Spa features: Community/Common
- Fencing: Partial
- Frontage type: N/K
Parking
- Total spaces: 2
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Wildfire
- Earthquake
- Inland Flooding
- Heat Wave
How This Home’s Risks Compare
FEMA Declared Disasters in San Diego County and California
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,298 | $51,576 |
| Home Insurance * | $150 | $1,800 |
| Property Taxes | $1,380 | $16,560 |
| Electricity | $411 | $4,932 |
| Total | $6,239 | $74,868 |
Income You'd Need if You Spent...
California FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Price change | $835,000 |
| 2026-07-06 | Price change | $850,000 |
| 2026-06-04 | Listed for sale | $865,000 |
| 2023-05-17 | Listing removed | -- |
| 2023-05-09 | Price change | $4,400 |
| 2023-04-26 | Listed for rent | $4,500 |
| 2016-01-14 | Sold | $489,000 |
| 2015-10-14 | Sold | $489,000 |
| 2011-08-29 | Sold | $372,000 |
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