1859 Posh Ln, Chula Vista, California 91915, Chula Vista, 91915 - 4 bed, 3 bath
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1859 Posh Ln
Chula Vista, California 91915
ACTIVE UNDER CONTRACT
CONDITION: EXCELLENT
4Beds
3Baths
1,681Sq Ft
10,000Lot Size
Property Price
LIST PRICE$779,000
EST. MARKET VALUE
$799,143
SUMMARY
This Modern Single-Family Residence represents a Prime Investment Opportunity, listed at a List Price of $779,000—positioned well below the $799,144 Fair Market Value by 2%. This gap provides $20,144 in Instant Equity. Featuring a Mint Condition Rating and a rare 2.5% Assumable VA Loan, this 2021-built home offers a chef-inspired kitchen and a functional first-floor bedroom. It is an ideal acquisition for Buy-and-Hold Investors or Owner-Occupants seeking a turnkey property in the vibrant Millenia community.
Estimated Market Value
$799,143
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 |
|---|---|---|---|---|---|---|
★ 1859 Posh Ln Subject | $779,000* List Price | 4 | 3 | 1,681 | $475 | - |
A 2344 Element Way Sold | $902,000 | 4 | 4 | 1,915 | $471 | 0.2 mi |
B 1570 Caminito Sicilia Sold | $800,000 | 3 | 3 | 1,810 | $442 | 0.9 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 2021, this home is in mint condition and meets the criteria for a property less than 10 years old. It features a modern chef-inspired kitchen with quartz countertops and stainless steel appliances, contemporary bathrooms with subway tile, and all major systems (HVAC, Electric, Solar) are nearly new, requiring no maintenance.
PROSSTRENGTHS & OPPORTUNITIES
- High Available Lot Utilization
The property has a large lot size, which is more than 4 times of its living area. lot size in square feet = 10000, living area = 1681.
- Exceptional Financing Opportunity
The property features a rare VA assumable loan with a 2.5% interest rate, providing a massive financial advantage and lower monthly payments compared to current market rates.
- Modern Functional Layout
Built in 2021, this home offers a contemporary open-concept design including a highly desirable first-floor bedroom and full bathroom, ideal for guests or multi-generational living.
CONSRISKS & DEFICIENCIES
- MLS Listing Discrepancy
Lot size discrepancy between mls listing and other public or private record. mls listing lot size in square feet =10000, other record lot size in square feet = 220335.
- Leased Solar Commitment
The solar system is leased rather than owned, which imposes a recurring monthly obligation on the buyer and may complicate the escrow transfer process.
- High Monthly HOA Fees
The $318 monthly association fee represents a significant ongoing carrying cost that buyers must factor into their total monthly housing budget.
About 1859 Posh Ln
ASSUMABLE VA LOAN OPTION : 2.5% INTEREST RATE | CURRENT PAYOFF AMOUNT : $556,955.04 and counting (reducing). Experience modern luxury at 1859 Posh Ln, a stunning detached residence nestled in the highly sought-after Millenia community of Otay Ranch. Built in 2021, this beautifully appointed 4-bedroom, 3-bath home offers 1,681 square feet of sophisticated living, featuring a desirable first-floor bedroom and full bath, an open-concept layout, designer finishes, and a chef-inspired kitchen with quartz countertops, stainless steel appliances, and an oversized island perfect for entertaining. Leased solar on roof.
Property Details
Public Facts
- Property Type
- Single Family Residence
- Year Built
- 2021
- Lot Size
- 10,000 Sq. Ft.
Interior
- Total Bedrooms
- 4
- Total Bathrooms
- 3 (3 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $318.0 / Month
Neighborhood Insights
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 4.0 | 4.0 |
| Baths | 3.0 | 3.0 |
| Square foot | 1,681 | 2,059.6 |
| Lot Size | 10,000 | 7,008.88 |
| Price | $779.0K | $959.7K |
| Price per sq ft | $463 | $487 |
| Built year | 2021 | 2000 |
| HOA | $318.0 | $134 |
| Days on market | 13 | 45 |
Pricing History
Listed for Sale
Aug 27, 2026
$779,000
Initial Listing
Sold
Nov 5, 2021
$623,500
Public Record