1020 Camino Prado, Chula Vista, California 91913, Chula Vista, 91913 - 4 bed, 4 bath
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1020 Camino Prado
Chula Vista, California 91913
ACTIVE
CONDITION: EXCELLENT
4Beds
4Baths
2,569Sq Ft
3,346Lot Size
Property Price
LIST PRICE$1,070,000
EST. MARKET VALUE
$1,087,724
SUMMARY
This Modern Single Family Residence is a Strong Value Opportunity, listed at $1,070,000—positioned well below the $1,087,725 Fair Market Value by 1.6%. This valuation gap offers $17,725 in Instant Equity. Featuring an Excellent Condition Rating and a rare 2.375% VA assumable loan, this 2020-built home offers a turnkey lifestyle with distant mountain views and proximity to top-rated schools. It is an ideal acquisition for Owner-Occupants seeking long-term stability or first-time buyers prioritizing modern amenities and financial efficiency.
Estimated Market Value
$1,087,724
Based on Realkey algorithm analyzing recent comparable sales in Chula Vista.
Comparable Sales Map
Comparables within 1 miles sold in recently
Map unavailable.
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 1020 Camino Prado Subject | $1,070,000* List Price | 4 | 4 | 2,569 | $423 | - |
A 1080 Camino Prado Sold | $1,080,000 | 4 | 4 | 2,568 | $421 | 0.1 mi |
B 1101 Calle Pilares Sold | $1,039,000 | 4 | 4 | 2,565 | $405 | 0.2 mi |
C 826 Camino Cantera Sold | $1,050,000 | 4 | 3 | 2,314 | $454 | 0.2 mi |
D 1103 Calle Deceo Sold | $1,000,000 | 4 | 3 | 2,392 | $418 | 0.2 mi |
E 1127 Calle Pilares Sold | $1,175,000 | 4 | 4 | 2,815 | $417 | 0.3 mi |
F 1077 Calle Pilares Sold | $1,180,000 | 4 | 4 | 2,905 | $406 | 0.2 mi |
G 1190 Camino Prado Sold | $925,000 | 4 | 3 | 2,179 | $425 | 0.3 mi |
H 1268 Camino Carmelo Sold | $885,000 | 4 | 3 | 1,950 | $454 | 0.5 mi |
I 854 Camino Cantera Pending | $1,100,000 List Price | 5 | 3 | 2,565 | $429 | 0.2 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
See Full ReportOVERALL CONDITION SCORE
Excellent
TeardownExcellent
Property is new construction or fully renovated.
Built in 2020, this property is only 4-6 years old, placing it well within the 'Excellent' category. The kitchen and bathrooms feature modern quartz countertops, contemporary white cabinetry, and stainless steel appliances in mint condition. As a newer build, the HVAC and electrical systems are modern, and the home requires no maintenance.
PROSSTRENGTHS & OPPORTUNITIES
- Exceptional Financing Opportunity
The property features a rare VA assumable loan at a 2.375% interest rate, providing a massive financial advantage and significant monthly savings compared to current market rates.
- Prime Community Location
Perfectly positioned within the Village of Escaya, the home is just steps away from the Harvest Wellness Center, community pool, and Escaya Park, offering immediate access to top-tier amenities.
- Modern Turn-Key Construction
Built in 2020, this 2,569 sq. ft. residence offers a contemporary open-concept layout with high-end finishes like quartz countertops and versatile living spaces suitable for multigenerational families.
CONSRISKS & DEFICIENCIES
- Low Available Lot Utilization
The property has a small lot size, more than 70 percent of which is taken by its living area. lot size in square feet = 3346, living area = 2569.
- Limited Private Lot Size
With a lot size of 3,346 sq. ft. relative to the large interior square footage, the property offers minimal private outdoor space or yard for gardening and play.
- Substantial Equity Gap
To utilize the 2.375% VA assumable loan, a buyer will likely need a significant cash down payment to cover the difference between the existing loan balance and the $1.07M asking price.
About 1020 Camino Prado
***VA ASSUMABLE LOAN 2.375%*** Location, Location, Location — Just Steps from the Fitness Center, Pool & Park! Welcome to this beautiful 4-bedroom, 3.5-bath home in the highly desirable Village of Escaya, offering approximately 2,569 sq. ft. of modern living in one of the community’s best locations. Built in 2020, this spacious residence features an open-concept floor plan designed for comfortable everyday living and effortless entertaining. The stylish kitchen is highlighted by sleek quartz countertops, abundant cabinetry, generous prep space, and an easy flow into the dining and living areas. Spacious bedrooms and thoughtfully designed living spaces provide flexibility for families, guests, a home office, or multigenerational living. The location is a standout — just steps from Escaya Park and the Harvest Wellness Center, with the community pool, recreation, green space, and walking paths practically at your doorstep. Enjoy the convenience of nearby shopping, dining, schools, parks, and neighborhood amenities while still having the comfort of a newer, beautifully planned community. With modern finishes, generous square footage, an unbeatable Escaya location, this home offers a rare combination of lifestyle, value, convenience, and financing opportunity that is difficult to find in today’s market. Don’t miss this exceptional opportunity!
Property Details
Public Facts
- Property Type
- Single Family Residence
- Year Built
- 2020
- Lot Size
- 3,346 Sq. Ft.
Interior
- Total Bedrooms
- 4
- Total Bathrooms
- 4 (4 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $146.0 / Month
Neighborhood Insights
Chula Vista Unified Schools
Hedenkamp (Anne And William) Elementary School
Grades K-6 • 1.6 mi
8/10
Valle Lindo Elementary School
Grades K-6 • 1.9 mi
6/10
Wolf Canyon Elementary School
Grades K-6 • 2.0 mi
8/10
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 4.0 | 4.0 |
| Baths | 4.0 | 3.0 |
| Square foot | 2,569 | 2,059.6 |
| Lot Size | 3,346 | 7,008.88 |
| Price | $1.07M | $959.7K |
| Price per sq ft | $417 | $487 |
| Built year | 2020 | 2000 |
| HOA | $146.0 | $134 |
| Days on market | 20 | 45 |
Pricing History
Listed for Sale
Aug 20, 2026
$1,070,000
Initial Listing
Sold
Dec 18, 2020
$701,500
Public Record