74 E St, Chula Vista, California 91910, Chula Vista, 91910 - 3 bed, 2 bath

74 E St, Chula Vista, California 91910 home-pic-0
ACTIVE$840,888
74 E St, Chula Vista, California 91910
3Beds
2Baths
1,314Sqft
9,200Lot
Year Built
1951
Close
-
List price
$841K
Original List price
$841K
Price/Sqft
$640
HOA
-
Days on market
-
Sold On
-
MLS number
250041889SD
Home ConditionFair
Features
View-

About this home

We found 3 Cons,6 Pros. Rank: price - $840.9K(33th), sqft - 1314(21th), beds - 3(44th), baths - 2(50th).

VA Assumable — Open to Non-Veterans! Welcome to 74 E St — a charming 3-bedroom, 2-bath single-story home on an exceptionally large 9,200+ sq ft lot in the heart of Chula Vista. Built in 1951, this 1,314 sq ft home offers more than just a place to live — it offers a rare opportunity to create something extraordinary. Step inside and you'll find a spacious layout with abundant natural light and generously sized bedrooms. While the interior may need a few weeks of TLC and updates, the true value lies outside — where years of love and care have transformed the grounds into a lush, private retreat. Imagine the possibilities: harvesting your own grapes, lemons, peaches, calamansi, guava, and more from mature, fruit-bearing trees. Picture colorful flowers welcoming you at the front entry, and a backyard so expansive it invites dreams — whether that’s building an ADU, creating a vibrant garden oasis, or designing an entertainer’s paradise. This is not just another home — it’s a chance to invest in space, freedom, and long-term potential in one of Chula Vista’s most established neighborhoods. Includes a detached 2-car garage, generous driveway parking, and unbeatable access to schools, parks, dining, I-5, and downtown Chula Vista. No HOA. No Mello-Roos. Properties like this — with land, location, and limitless upside — don’t come around often.

Price History

Date
Event
Price
10/17/25
Listing
$840,888
Condition Rating
Fair

The property, built in 1951, is aged but appears to have been maintained with some significant updates. The kitchen has been extensively renovated with modern white shaker cabinets, quartz countertops, stainless steel appliances, and recessed lighting, presenting in very good condition. However, the listing description explicitly states the interior 'may need a few weeks of TLC and updates,' indicating that not all areas are move-in ready without minor renovations. Other areas, such as the hardwood flooring outside the kitchen and the bathroom, while clean and functional, show signs of age or more basic updates. The presence of a mini-split AC unit suggests some system upgrades, but the overall age of the home (over 70 years) means major components are likely functional but may be outdated or nearing the end of their lifespan. This combination of a recently updated kitchen and other areas requiring minor updates aligns with a 'Fair' condition score.
Pros & Cons

Pros

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 = 9200, living area = 1314.
Large Lot & ADU Potential: The property boasts an exceptionally large 9,200+ sq ft lot, offering significant potential for expansion, building an Accessory Dwelling Unit (ADU), or creating extensive outdoor living spaces.
VA Assumable Loan: A rare and attractive feature, the VA assumable loan is open to non-veterans, providing a unique and potentially cost-saving financing option for buyers.
Mature Fruit-Bearing Garden: The expansive grounds feature a lush, private retreat with mature fruit-bearing trees (grapes, lemons, peaches, calamansi, guava), offering a unique lifestyle amenity and potential for self-sufficiency.
Prime Location & Accessibility: Located in an established Chula Vista neighborhood, the home offers unbeatable access to schools, parks, dining, Interstate 5, and downtown Chula Vista, enhancing convenience and desirability.
No HOA or Mello-Roos: The absence of Homeowners Association (HOA) fees and Mello-Roos taxes significantly reduces ongoing ownership costs, making the property more affordable in the long term.

Cons

Requires Updates & TLC: The interior of the 1951-built home is noted to 'need a few weeks of TLC and updates,' indicating that buyers should anticipate renovation costs and effort to modernize the living spaces.
Older Construction: Built in 1951, the property is over 70 years old, which may imply older systems, potential for deferred maintenance, and a layout that might not align with contemporary preferences without significant upgrades.
Potential Overpricing: The listing price is approximately 3% higher than the estimated property value, suggesting it might be slightly above market value, which could impact buyer interest or negotiation leverage.

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