Michael Graham

Michael Graham

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$1,298,890

($676,023 down)
FHA

2780 Rambling Vista Rd, Chula Vista, CA 91915

5
4
2,923 sqft
PITI Monthly
$5,774.67 /mo

Listing courtesy of: Francisco Lopez, LPT Realty,Inc

Assumed Rate

4.66%
7.15%

Principal & Interest

$3,624 /mo
$4,742 /mo

What's Special

HIGH-END FINISHES
HOME OFFICE
PATIO
PRIVATE BACKYARD
CLUBHOUSE

Welcome to your elevated lifestyle in the highly sought-after community of Eastlake Vistas. This expansive and tastefully upgraded home offers 5 bedrooms, 4 bathrooms, and an optional 6th bedroom, providing ideal flexibility for multigenerational living, a home office, or gym. A convenient downstairs bedroom with a full private bath makes it perfect for guests or in-laws. The home features paid-off solar, helping you save on energy without compromising on comfort. Step into a grand open floor plan with premium flooring, custom shutters, upgraded baseboards, and high-end finishes throughout. The gourmet kitchen is designed for both everyday living and entertaining, boasting upgraded countertops, a large island, and direct access to the private backyard. Out back, enjoy the premium custom sliding door that opens to an entertainer’s patio with panoramic sunset views—no rear neighbors and direct access to a scenic walking trail with lighting and rest areas. The epoxy-coated garage floors, custom brick front entry, and refined landscaping add to the property's polished presentation. The Eastlake Vistas community offers exclusive access to not one, but two resort-style clubhouses—The Woods and Creekside Clubhouses—along with multiple parks, scenic trails, and access to Otay Lakes for outdoor recreation. Whether you're watching the moon rise or the sun set from your patio, or enjoying the vibrant seasonal colors and lush surroundings, this home represents a rare opportunity to live in one of Chula Vista’s most desirable neighborhoods.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
4.66
Remaining Loan Term
23 years, 8 months
Monthly PITI
$5,774.67/mo
Estimated Loan Balance
$639,432
Cash to close
$676,023
Interest Paid
$196,244

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 5
  • Bathrooms: 4
Cooling & Heating
  • Cooling: CentralAir
  • Heating: ForcedAir, NaturalGas
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Unknown
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 2
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: Unknown
Condition
  • Year Built: 2005
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Chula Vista
  • Features: Unknown
HOA
  • Has HOA: Yes
  • HOA Name: Eastlake III
  • HOA Amenities: Unknown
  • HOA Fee: $123
  • HOA Frequency: $Monthly
Location
  • Region: Chula Vista

Financial Details

  • Price per Sqft: $444.37
  • Tax Annual Amount: $16236.1
  • On Market Date: 2025-05-01T00:00:00.000Z
Inquire about this property

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Apply to Assume

Fill out an application to explore financing options for assuming this loan.

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Savings Calculator

Current cash to close is $676,023 (52%)
You can enter any amount below - secondary financing will cover the difference if needed.
52%
$

You cover the entire equity of $676,023!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage4.66% Sellers Rate
$622,867
Your Cash:$676,023
Total Purchase Price:$1,298,890

Assumed vs Traditional Mortgage

Assumed @ 4.66%
$3,624/mo
Traditional @ 7.15%
$4,919/mo
You save $1,294/month ($15,531/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250026353SD

Listing From:

Last updated: 2025-05-02T23:25:12.000Z

© , CRMLS. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

4.66%
7.15%

Principal & Interest

$3,624 /mo
$4,742 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $676,023 (52%)
You can enter any amount below - secondary financing will cover the difference if needed.
52%
$

You cover the entire equity of $676,023!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage4.66% Sellers Rate
$622,867
Your Cash:$676,023
Total Purchase Price:$1,298,890

Assumed vs Traditional Mortgage

Assumed @ 4.66%
$3,624/mo
Traditional @ 7.15%
$4,919/mo
You save $1,294/month ($15,531/year)

*Secondary financing rates are an estimated value based on input

Follow Us
exp realty
Agent/Broker
Michael Grahamexp realty(480) 628-9392michael@grahamgroupaz.comMLS

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than exp realty are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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