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1555 Caminito Zaragosa, Chula Vista, CA, 91913

4beds
3baths
1,820sqft
$799,000
$439price/sqft
$5,574/moest. monthly cost
$222,960/yrincome needed

About This Home

Bright corner-unit townhome in gated Otay Ranch, 4 bed / 2.5 bath, 1,820 sq ft. Sun pours into the open living and dining space, the kitchen's got granite counters and stainless appliances, and there's a cozy fireplace for those cooler nights. Upstairs you'll find a spacious primary suite plus three more bedrooms great for a growing family, a home office, or both. Private side patio for your morning coffee, finished 2-car garage with room to spare, and a gated front courtyard that makes coming home feel a little special. The community itself is the real bonus: pool, fitness center, and gorgeous Mediterranean-style grounds, all within Chula Vista Elementary School District and close to shopping, dining, and the freeway. Move-in ready and easy to fall for.

Getting Around

80
WalkingVery Walkable
37
TransitSome Transit
73
BikeVery Bikeable

Schools

8/10
7/10
9/10
Olympian High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 2004

Materials

  • Roof: Spanish Tile
  • Construction materials: Stucco

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: 6 Burner Stove
  • Laundry features: Electric,Gas

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace features: FP in Living Room

Heating & Cooling

  • Heating features: Forced Air Unit
  • Cooling features: Central Forced Air

Interior Area

  • Total structure area: 1,820
  • Total interior livable area: 1,820 sqft

Property

Details

  • Parcel number: 6430522519

Features

  • Levels: 2 Story
  • Stories: 2
  • Pool features: Community/Common
  • Fencing: 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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
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 $4,040$48,480
Home Insurance *$141$1,692
Property Taxes $995$11,940
Electricity $398$4,786
Total$5,574$66,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$191,108/yr
40% on housing$167,220/yr
45% on housing$148,640/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

$439This listing

vs Other Active Listings

Avg $/sqft

ZIP 91913$383
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
2026-08-04Price change$789,000
2026-07-08Listed for sale$799,000
2023-06-16Sold$757,500
2020-10-13Sold$530,000
2020-09-23Pending sale$565,000
2020-09-04Price change$565,000
2020-08-28Pending sale$585,000
2020-08-28Price change$585,000
2020-08-21Price change$575,000
2020-08-12Listed for sale$580,000
2019-02-11Sold$465,000
2019-01-07Pending sale$469,000
2018-12-27Listed for sale$469,000
2018-12-20Pending sale$469,000
2018-12-08Listed for sale$469,000
2018-12-07Pending sale$469,000
2018-11-01Price change$469,000
2018-10-05Price change$479,000
2018-09-13Listed for sale$499,000
2012-06-08Sold$272,000
2012-03-07Sold$203,399
2004-10-28Sold$440,500

For Sale by Agent

AgentJamal Helewa
BrokerageeXp Realty of California, Inc.

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