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821 Mateo St Unit 1, Chula Vista, CA, 91911

4beds
3baths
1,715sqft
$849,999
$496price/sqft
$4,847/moest. monthly cost
$193,880/yrincome needed

About This Home

Located in the sought-after Matiz at Sunbow community in Chula Vista, this beautiful corner unit combines modern style with thoughtful upgrades and a setting that offers both privacy and comfort. Natural light fills the open-concept living spaces, creating an inviting flow between the living room, dining area, and kitchen, the heart of the home where everyday moments and special gatherings happen. The kitchen features contemporary finishes and a spacious island designed for connection and convenience. Tile and plank flooring throughout the home add warmth and durability throughout. One of the most valuable features is the bedroom and full bathroom on the first floor, perfect for guests, extended family, or a quiet workspace that adapts to your lifestyle. Upstairs, the primary suite offers a peaceful retreat, featuring an elegant ensuite bathroom and a spacious walk-in closet. The upper level also includes a conveniently located laundry room, adding everyday ease and practicality. Step outside to a thoughtfully designed, low-maintenance backyard created for relaxation and easy enjoyment. With no neighbors behind and open space beyond, the setting offers a level of privacy that’s increasingly rare. The home also provides added efficiency and peace of mind with paid solar, EV charger and a reverse osmosis water filtration system, while the epoxy-finished garage reflects the same attention to quality and care found throughout the property. Living in Sunbow means enjoying resort-style amenities including pool, gym, sports courts, community room, playgrounds and recreational spaces, all while benefiting from everyday convenience, including close proximity to shopping, dining and major freeways. This home offers more than features, it offers a lifestyle.

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: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator
  • Laundry features: Inside,Laundry Room,Upper Level

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Central Air

Features

  • Bedroom on Main Level,Walk-In Pantry,Walk-In Closet(s)
  • Fireplace features: None
  • Common walls with other units/homes: 2+ Common Walls

Interior Area

  • Total interior livable area: 1,715 sqft

Other

  • Features: Walk-In Closet(s)

Pantry

  • Features: Walk-In Pantry

Property

Details

  • Parcel number: 6440130140
  • Attached to another structure: Yes
  • Zoning: R-1
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Ground level
  • Pool features: Community
  • Has view: Yes
  • View description: Neighborhood

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 $4,298$51,576
Home Insurance *$140$1,680
Property Taxes $11$132
Electricity $398$4,786
Total$4,847$58,164
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,182/yr
40% on housing$145,410/yr
45% on housing$129,253/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

$496This listing

vs Other Active Listings

Avg $/sqft

ZIP 91911$368
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
2026-02-27Listed for sale$875,000

For Sale by Agent

AgentVeronica Mejia
BrokerageBerkshire Hathaway HomeService

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