OFF_MARKETRisky Deal5 days on market

4322 Vista Coronado Dr

4322 Vista Coronado Dr, Chula Vista, CA 91910, Chula Vista, CA 91910
$1,199,999
Zestimate®:$1,180,000

Listing Price

Property image 1
4322 Vista Coronado Dr, Chula Vista, CA 91910
Loc: Chula Vista, CA
Days Listed
5
Tax Assessed
$1071k
Zestimate®
$1180k
Market Rate
Lot Size
0.36 acres
Rent Estimate
$4,037/mo
Est. Cash Flow base
Type
single family

More Than Just a Property

We believe a home extends beyond its walls. That's why we help you explore the pulse of the community—from top-rated schools to essential emergency services. Your safety, well-being, and connection to the neighborhood matter to us.

4.9
Safety Score
A+
Schools

Nearby Schools

Educational options and performance ratings in the area.

7

Clear View

K-6
0.4 mi away
4

Bonita Vista Middle School

7-8
2.6 mi away
8

Bonita Vista Senior High School

9-12
3 mi away

Property Overview

A stunning investment opportunity in a prime location. This property features modern amenities, spacious living areas, and strong rental potential.

Features & Amenities

Open Floor PlanHardwood FloorsModern KitchenStainless Steel AppliancesCentral Heat/AirLarge BackyardParkingNear Transit

Haven AI Verdict

Recommendation
Risky
Confidence Score: 3/10
Exercise caution due to potential market volatility.
Cap Rate
2.46%
Total ROI
2.0%
Cash Flow
$-3,606/mo
DSCR
0.41
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Data provided by Haven AI. Disclaimer

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Haven AI

This investment at 4322 Vista Coronado Dr presents a significant fiscal challenge from a conservative standpoint. While Chula Vista is a desirable submarket with a steady 4% projected appreciation, the immediate financial performance is concerning. The property suffers from a severe monthly negative cash flow of -$3,605, resulting in an annual out-of-pocket liability exceeding $43,000. A rental yield of 2.46% is insufficient to cover debt service and operating expenses, characterizing this as a 'negative carry' asset. Relying solely on appreciation to offset these losses is speculative and poses a substantial risk to the investor's liquidity and long-term portfolio stability.

Strengths
  • High demand for single-family residential units in Chula Vista
  • Favorable 3-bed, 3-bath configuration for families
  • Consistent 4% annual appreciation forecast for San Diego County
  • Modern square footage for the price point in the CA market
Considerations
  • Extremely high negative monthly cash flow requiring significant subsidies
  • Rental yield of 2.46% is well below the risk-free rate of return
  • High acquisition cost of $1.19M limits the buyer pool for exit strategies
  • Negative leverage scenario where borrowing costs far exceed asset income
  • Vulnerability to market corrections due to lack of cash flow cushion
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10-Year Price Projection

Price & Tax History

Price History

DateEventPricePrice/sqft
2026-04-15Price change$999,999$574
2026-03-30Price change$1,199,999$689
2025-04-20Price change$1,200,000$689
2025-02-17Listed for sale$1,299,999$746
2023-12-18Sold$1,050,000$603
2023-11-09Pending sale$974,900$560
2023-10-31Listed for sale$974,900$560
2012-07-05Listing removed$399,900$230
2012-05-08Listed for sale$399,900$230
2012-01-31Sold$380,000$218
2011-11-29Price change$389,900$224
2011-11-11Price change$399,900$230
2011-10-21Price change$389,900$224
2011-07-23Listed for sale$449,900$258
2000-05-08Sold$265,000$152

Tax History

YearProperty TaxTax Assessment
2025$12,820.14$1,071,000
2024$12,370.16$1,050,000
2023$5,408.66$458,757
2022$5,251.92$449,762
2021$5,128.7$440,944
2020$5,005.06$436,424
2019$4,786.7$427,868
2018$4,796.85$419,480
2017$4,694.8$411,256
2016$4,599.72$403,194
2015$4,596.64$397,138
2014$4,519.66$389,359
2013$0$387,600
2012$0$324,263
2011$0$317,905
2010$0$315,530
2009$0$316,280
2008$0$310,079
2007$0$304,000
2006$0$298,040
2005$0$292,197
2004$0$286,469
2003$0$281,220
2002$0$275,706
2001$0$270,300
Nathaniel Pitchon-Getzels Logo
Getzels Group
Haven Team
CalRE #01884947
Call / Text
818.535.5337

Property Specs

Beds
3
Baths
3
Sq Ft
1,742
Institutional Underwriting Ledger

Investment Numbers & Operating Model

Standardized cash flow underwriting modeled with state tax schedules, regional insurance hazard risk, and disciplined operating reserves.

Data Sources:MLS List Price: $1,199,999Rent Basis: Observed Comp Model ($4,037/mo)State Tax Benchmark: 0.75% (CA)Hazard Reserve: $600/mo
Haven ScoreRisky
0/ 10

Multi-factor yield grade

Cap Rate (Unleveraged)
1.84%

NOI: $22,069/yr

Cash-on-Cash Yield
-19.1%

On $276,000 invested

DSCR Ratio
0.30x

Negative debt coverage

5-Yr Leveraged ROI
+-1.2%

Equity + cumulative cash

Financing Scenario Controls
Adjust down payment & rates to model your personalized return

Monthly Cash Flow Breakdown

Monthly Operating Deductions
Property Taxes (0.75% of basis)-$669/mo
Homeowner / Hazard Insurance-$600/mo
Vacancy Reserve (5% of rent)-$202/mo
Repairs & Maintenance (10% of rent)-$404/mo
Property Management (8% of rent)-$323/mo
Total Pure Operating Expenses-$2,198/mo
Net Investor Cash Flow
Gross Scheduled Rent+$4,037/mo
Less: Operating Expenses-$2,198/mo
Net Operating Income (NOI)+$1,839/mo
Less: Debt Service (30yr @ 6.75%)-$6,227/mo
Net Cash Flow
$-4,387/mo
$-52,649/year
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