OFF_MARKETRisky Deal10 days on market

1186 De Anza Ct

1186 De Anza Ct, Chula Vista, CA 91910, Chula Vista, CA 91910
$1,049,999
Zestimate®:$1,047,300

Listing Price

Property image 1
1186 De Anza Ct, Chula Vista, CA 91910
Loc: Chula Vista, CA
Days Listed
10
Tax Assessed
$759k
Zestimate®
$1047k
Market Rate
Lot Size
6,970 sqft
Rent Estimate
$4,653/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

Casillas (Joseph) Elementary School

K-6
0.4 mi away
6

Rancho Del Rey Middle School

7-8
0.5 mi away
9

Otay Ranch Senior High School

9-12
1.6 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
3.80%
Total ROI
8.7%
Cash Flow
$-1,980/mo
DSCR
0.63
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Data provided by Haven AI. Disclaimer

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Haven AI

1186 De Anza Ct presents a high-risk profile from a conservative cash-flow perspective. Despite being a well-sized 4-bedroom home in the stable Chula Vista market, the financial metrics are deeply unattractive for income-focused investors. A monthly deficit of nearly $2,000 creates a massive 'alligator' effect, forcing the owner to subsidize the mortgage and operating costs out-of-pocket. The 3.8% rental yield is insufficient in a high-interest-rate environment, making the investment purely speculative on the 4% appreciation forecast. For a conservative analyst, the lack of immediate yield and heavy negative carry outweigh the benefits of location and asset quality.

Strengths
  • Desirable 4-bedroom, 3-bathroom family configuration
  • Located in a stable, high-demand San Diego County submarket
  • Consistent 4% projected annual appreciation
Considerations
  • Significant negative monthly cash flow of -$1,980
  • Rental yield of 3.8% is lower than current risk-free rates
  • High degree of dependency on appreciation for total return
  • Substantial capital reserves required to cover monthly operating deficits
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10-Year Price Projection

Price & Tax History

Price History

DateEventPricePrice/sqft
2026-04-14Listed for sale$1,049,999$464
2020-07-09Listing removed$699,900$310
2020-07-09Listed for sale$699,900$310
2020-07-08Sold$701,000$310
2020-06-02Pending sale$699,900$310
2020-05-26Listed for sale$699,900$310
2018-11-11Listing removed$3,095$1
2018-11-01Price change$3,095$1
2018-10-20Listed for rent$3,295$1
2008-05-16Listing removed$330,000$146
2008-05-02Listed for sale$330,000$146

Tax History

YearProperty TaxTax Assessment
2025$9,237.66$758,782
2024$8,913.86$743,905
2023$8,790.54$729,320
2022$8,537.36$715,020
2021$8,342.64$701,000
2020$3,857.3$326,273
2019$3,558.46$319,876
2018$3,696.39$313,605
2017$3,617.22$307,457
2016$3,524.04$301,429
2015$3,473$296,902
2014$3,402.84$291,087
2013$0$289,773
2012$0$284,092
2011$0$278,522
2010$0$276,442
2009$0$277,100
2008$0$271,668
2007$0$266,342
2006$0$261,120
2005$0$256,001
2004$0$250,982
2003$0$246,383
2002$0$241,553
2001$0$236,817
Nathaniel Pitchon-Getzels Logo
Getzels Group
Haven Team
CalRE #01884947
Call / Text
818.535.5337

Property Specs

Beds
4
Baths
3
Sq Ft
2,261
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: $1,049,999Rent Basis: Observed Comp Model ($4,653/mo)State Tax Benchmark: 0.75% (CA)Hazard Reserve: $525/mo
Haven ScoreRisky
0/ 10

Multi-factor yield grade

Cap Rate (Unleveraged)
2.95%

NOI: $31,003/yr

Cash-on-Cash Yield
-14.2%

On $241,500 invested

DSCR Ratio
0.47x

Negative debt coverage

5-Yr Leveraged ROI
+23.0%

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)-$474/mo
Homeowner / Hazard Insurance-$525/mo
Vacancy Reserve (5% of rent)-$233/mo
Repairs & Maintenance (10% of rent)-$465/mo
Property Management (8% of rent)-$372/mo
Total Pure Operating Expenses-$2,069/mo
Net Investor Cash Flow
Gross Scheduled Rent+$4,653/mo
Less: Operating Expenses-$2,069/mo
Net Operating Income (NOI)+$2,584/mo
Less: Debt Service (30yr @ 6.75%)-$5,448/mo
Net Cash Flow
$-2,865/mo
$-34,376/year
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