Britney  Galvan

Britney Galvan

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$1,275,000

($745,065 down)
FHA

1632 Hillsborough Street, Chula Vista, CA 91913

4
4
3,101 sqft
PITI Monthly
$5,058.17 /mo

Listing courtesy of: Diana Cortes, Century 21 Affiliated

Assumed Rate

4.03%
7.15%

Principal & Interest

$2,988 /mo
$4,212 /mo

What's Special

DINING
RENOVATED
HIGH-END FINISHES
LUXURY
GRANITE COUNTERTOPS
FIREPLACE
GAME ROOM
BALCONY
RENTAL INCOME

Welcome to 1632 Hillsborough Street — where luxury, comfort, and versatility meet in the heart of Otay Ranch Chula Vista. This expansive 4-bedroom, 3.5-bathroom home spans 3,101 sq ft and has been thoughtfully upgraded with over $180,000 in improvements. Enjoy a completely renovated backyard and front yard, a brand new HVAC system, and a stylishly redesigned downstairs bathroom. Step inside to soaring cathedral ceilings, a dramatic rotunda entry, and rich details throughout. The gourmet kitchen features slab granite countertops, a massive center island, and seamless flow into the living and dining spaces — perfect for gatherings and everyday life. Plantation shutters, high-end finishes, and generous room sizes elevate every inch of this home. The luxurious primary suite offers a retreat space ideal for an office or nursery, and opens to a private balcony for peaceful mornings. Downstairs, a private suite with its own entrance, full bathroom, and kitchenette offers endless possibilities — from multi-generational living to a game room or potential rental income. The backyard is an entertainer’s paradise with a built-in BBQ grill, keg tap, island, fireplace, and a large screen TV — perfect for unforgettable evenings outdoors. Additional highlights include an EV charger in the garage and a leased solar system ready to be transferred to the new owner — offering eco-friendly efficiency and long-term savings. Enjoy a very low HOA of just $66/month. Located close to top-rated schools including Mater Dei Catholic School, Otay Ranch Mall, the Olympic Training Center, Millenia Commons, parks, and more. This is the dream home you've been waiting for. Come experience it for yourself!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
4.03
Remaining Loan Term
22 years, 7 months
Monthly PITI
$5,058.17/mo
Estimated Loan Balance
$531,140
Cash to close
$745,065
Interest Paid
$173,424

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 4
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Unknown
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Unknown
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Unknown
Pool
  • Has Pool: No
  • Pool Features: Association

Construction

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

Community & HOA

Community
  • Subdivision:
  • Features: Biking, Curbs, DogPark, Hiking, Lake, Mountainous, Park, StreetLights, Sidewalks
HOA
  • Has HOA: Yes
  • HOA Name: Hillsborough at Otay Ranch
  • HOA Amenities: Unknown
  • HOA Fee: $66
  • HOA Frequency: $Monthly
Location
  • Region: Chula Vista

Financial Details

  • Price per Sqft: $411.16
  • Tax Annual Amount: $15937.5
  • On Market Date: 2025-04-25T00:00:00.000Z
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.

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Savings Calculator

Current cash to close is $745,065 (58%)
You can enter any amount below - secondary financing will cover the difference if needed.
58%
$

You cover the entire equity of $745,065!

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

Loan Breakdown

Assumed Mortgage4.03% Sellers Rate
$529,935
Your Cash:$745,065
Total Purchase Price:$1,275,000

Assumed vs Traditional Mortgage

Assumed @ 4.03%
$2,988/mo
Traditional @ 7.15%
$4,369/mo
You save $1,381/month ($16,573/year)

*Secondary financing rates are an estimated value based on input

MLS ID: PTP2502784

Listing From:

Last updated: 2025-04-25T14:11:40.000Z

© , 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

4.03%
7.15%

Principal & Interest

$2,988 /mo
$4,212 /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 $745,065 (58%)
You can enter any amount below - secondary financing will cover the difference if needed.
58%
$

You cover the entire equity of $745,065!

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

Loan Breakdown

Assumed Mortgage4.03% Sellers Rate
$529,935
Your Cash:$745,065
Total Purchase Price:$1,275,000

Assumed vs Traditional Mortgage

Assumed @ 4.03%
$2,988/mo
Traditional @ 7.15%
$4,369/mo
You save $1,381/month ($16,573/year)

*Secondary financing rates are an estimated value based on input

Follow Us
UME Realty Group
Agent/Broker
Britney GalvanUME Realty Group(818) 398-0602Britney@umerealtygroup.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 UME Realty Group 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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