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784 Mateo St #1, Chula Vista, CA, 91911

4beds
3baths
1,623sqft
$709,000
$437price/sqft
$4,471/moest. monthly cost
$178,840/yrincome needed

About This Home

Welcome to this energy-efficient home built in 2024 in the Luna community of Sunbow, ideally situated on a corner lot next to visitor parking. Upon entering you are welcomed to a bright, open-concept layout connecting the kitchen, dining, and living room areas;perfect for everyday living and entertaining. The ADA-compliant main level includes a convenient half bath for guests. The kitchen features stainless steel appliances, quartz countertops, spacious cabinets, a pantry, and an island with barstool seating. Additional highlights include central heating and cooling, blinds, lights on timers, vinyl plank and carpet flooring, and a second-floor laundry room for added convenience. Upstairs, the spacious primary suite offers a en-suite bathroom with dual sinks and a walk-in closet. The remaining bedrooms share a full bathroom, creating a functional and private layout. This home also includes solar panels (PAID For IN FULL!), an electric vehicle charger, and a two-car garage. Enjoy community amenities such as a pool and spa, play areas, basketball and pickleball courts, dog park, fitness center, and BBQ areas. Conveniently located near shopping, dining, and freeway access, this home delivers modern comfort and convenience. Don't miss out on this amazing opportunity!

Getting Around

2
WalkingCar-Dependent
30
TransitSome Transit
9
BikeSomewhat Bikeable

Schools

5/10
7/10
9/10

Construction

Condition

  • Year built: 2024

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Laundry features: Laundry Room,Upper Level

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,Electric,ENERGY STAR Qualified Equipment,Whole House Fan

Features

  • Breakfast Bar,All Bedrooms Up
  • Fireplace features: None
  • Common walls with other units/homes: 1 Common Wall

Interior Area

  • Total interior livable area: 1,623 sqft

Kitchen

  • Features: Quartz Counters

Property

Details

  • Parcel number: 6440132057
  • Attached to another structure: Yes
  • Lease amount: 100
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: Community,Heated,Association

Lot

  • Lot size: 8.67 Acres

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 $3,585$43,020
Home Insurance *$116$1,392
Property Taxes $372$4,464
Electricity $398$4,786
Total$4,471$53,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,291/yr
40% on housing$134,130/yr
45% on housing$119,226/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

$437This listing

vs Other Active Listings

Avg $/sqft

ZIP 91911$369
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 91911$573
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
2026-07-15Listing removed$4,250
2026-07-15Price change$709,000
2026-07-01Price change$715,000
2026-06-16Price change$720,000
2026-05-29Listed for sale$725,000
2026-05-26Listed for rent$4,250
2025-04-11Listing removed$4,225
2025-03-04Listed for rent$4,225
2024-03-06Listing removed--
2024-02-10Price change$4,225
2024-01-13Listed for rent$4,000

For Sale by Agent

AgentOmar Mahmoud
BrokerageThe Vantage Real Estate Group,

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