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1401 Pershing Rd, Chula Vista, CA, 91913

4beds
4baths
2,652sqft
$980,000
$370price/sqft
$7,266/moest. monthly cost
$290,640/yrincome needed

About This Home

Beautifully maintained 4-bedroom, 4-bath home in the highly sought-after Montecito community of Otay Ranch. Thoughtfully designed with a full bedroom and bath on the main level, this spacious floor plan offers flexibility as a guest suite, in-law suite, or home office. The open-concept kitchen flows seamlessly into the living and dining areas, while the upstairs loft provides additional space for a media room, office, or play area. Recent updates include fresh interior paint and brand-new carpet throughout, creating a truly move-in-ready home. This home is loaded with premium upgrades rarely found together: a QuietCool whole-home fan for effortless natural cooling, a 5-stage whole-home water filtration system with a 7-gallon storage tank, and a high-end epoxy-coated garage floor. The kitchen and bathrooms are served by a new Rinnai tankless water heater, paired with a whole-home water softener system for consistently clean water throughout. Energy independence is a standout feature the home includes an owned, fully paid-off 4.07 kW solar system integrated with two Franklin Backup Batteries. According to the seller, the battery financing may be assumable by the buyer, subject to lender approval. The seller further states this setup has kept electricity usage within SDG&E's lowest Tier 1 pricing year-round, providing potential utility savings and reliable backup power. Outside, enjoy beautifully landscaped, low-maintenance front and back yards, plus access to exceptional community amenities including parks, trails, a resort-style pool, fitness center, and clubhouse. Conveniently located near schools, shopping, dining, and freeway access, this is a rare opportunity to own a true turnkey, energy-efficient home in one of Chula Vista's most desirable neighborhoods.

Getting Around

10
WalkingCar-Dependent
31
TransitSome Transit
25
BikeSomewhat Bikeable

Schools

8/10
7/10
9/10

Construction

Condition

  • Year built: 2013

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer
  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Cooling

  • Cooling features: Central Air

Features

  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 2,652 sqft

Property

Details

  • Parcel number: 6443512500
  • Zoning: R-1:SINGLE FAM-RES
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Entry location: Ground Level
  • Pool features: Association,Community
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 3,484 sqft
  • Features: 11-15 Units/Acre
  • Lot size dimensions: 3,361 Sq. Ft

Parking

  • Total spaces: 2
  • Parking features: Garage - 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
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Wildfire
Earthquake
Inland Flooding
Heat Wave

FEMA Declared Disasters in San Diego County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

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

MonthlyAnnual
Mortgage $4,955$59,460
Home Insurance *$173$2,076
Property Taxes $1,570$18,840
Electricity $568$6,824
Total$7,266$87,192
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$249,120/yr
40% on housing$217,980/yr
45% on housing$193,760/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

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.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$370This listing

vs Other Active Listings

Avg $/sqft

ZIP 91913$384
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 91913$439
San Diego County$576

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

DateEventPrice
2026-07-24Listed for sale$980,000
2015-05-29Sold$555,000
2015-04-22Pending sale$560,000
2015-04-10Listed for sale$560,000

For Sale by Agent

AgentTrina Davis
BrokerageRealty One Group Pacific

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