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1396 Valencia Loop, Chula Vista, CA, 91910

4beds
3baths
2,074sqft
$975,000
$470price/sqft
$6,600/moest. monthly cost
$264,000/yrincome needed

About This Home

Here's your opportunity to own a gem of a property in the coveted Rancho Del Rey community! From the moment you walk up, you'll notice the impressive front door. It's the kind of detail that says "something special awaits." And it doesn't disappoint. Step inside and you're greeted by a spacious living room and dining room that'll stop you in your tracks. Vaulted ceilings create an open, grand feeling, while classic plantation shutters add just the right touch of style. It's elegant without trying too hard.This home has been updated with new carpet, fresh paint, and a kitchen that's been reimagined with white cabinets, new quartz countertops and a modern stainless steel sink. Enjoy your morning coffee in the cozy breakfast nook that looks onto the beautiful backyard. The family room is where this home really shines. It's large, it's inviting, and it includes both a working fireplace and a wet bar. Whether you're hosting game night or just relaxing after a long day, this room was made for enjoyment. Upstairs, the primary suite fits a king bed with room to spare and the custom designed walk-in closet is something buyers dream about. It's big, it's organized, and it's all yours. Three additional bedrooms and large bathroom with double sinks complete the upstairs. Out back, you've got a nicely sized yard with space to entertain, garden, or just enjoy a sunny Chula Vista afternoon. A two-car garage rounds it all out. And here's something every buyer can truly appreciate NO HOA and NO Mello Roos. That's real monthly savings you'll feel right away. As a bonus, neighborhood parks and schools are just around the corner.

Getting Around

39
WalkingCar-Dependent
37
TransitSome Transit
16
BikeSomewhat Bikeable

Schools

5/10
8/10

Construction

Condition

  • Year built: 1976

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Washer
  • Laundry features: In Garage

Bedroom

  • Features: All Bedrooms Up

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Cooling

  • Cooling features: Central Air

Family Room

  • Features: Separate Family Room

Features

  • All Bedrooms Up,Primary Suite,Walk-In Closet(s)
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 2,074 sqft

Master Bedroom

  • Features: Primary Suite

Other

  • Features: Walk-In Closet(s)

Property

Details

  • Parcel number: 6423205200
  • Zoning: R-1:SINGLE FAM-RES
  • Special condition: Trust

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: None
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 6,400 sqft
  • Features: Back Yard,Front Yard,Lawn,Landscaped,Level

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Uncovered 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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
Wildfire

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 $4,930$59,160
Home Insurance *$188$2,256
Property Taxes $1,038$12,456
Electricity $444$5,336
Total$6,600$79,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$226,285/yr
40% on housing$198,000/yr
45% on housing$176,000/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

$470This listing

vs Other Active Listings

Avg $/sqft

ZIP 91910$420
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 91910$529
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
2026-07-29Listed for sale$975,000

For Sale by Agent

AgentLisa Johnson
BrokerageColdwell Banker West

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