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ASSUMABLE LOAN at 2.25%!!!! This stunning 4-bedroom, 2.5-bathroom home is a true gem, showcasing exceptional design and attention to detail. Located in the heart of the Village of Montecito, it offers the perfect blend of comfort, functionality, and luxury. Step inside to an expansive open floor plan featuring elegant wood flooring throughout the main level, huge kitchen island with quartz countertops, marble backsplash, stainless steel appliances, stylish pendant lighting. The spacious primary suite offers a serene retreat with a large soaking tub, separate shower, and generous storage. Energy-efficient solar panels and a low-maintenance backyard make for easy living—perfect for outdoor BBQs, kids, and pets. Enjoy access to outstanding community amenities, including the Montecito Clubhouse, resort-style pools, fitness center, tennis and basketball courts, soccer fields, and a playground. Ideally situated—just minutes from Otay Ranch Town Center, where you’ll find shops, dining, and entertainment. Highly rated schools are within walking distance, and the neighborhood offers a welcoming, family-friendly atmosphere designed for connection, recreation, and convenience.
Listing agent: Guillermo Arroyo DRE #02017620 hello@teamarroyo247.com, Listing office: Coldwell Banker West
MLS data updated 10/21/2026, 10:57:17 AM PT
Source: CRMLS, MLS #: PTP2505844
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Jan 14, 2026
Prices use the left axis; mortgage rates use the right. Hover, tap, or focus the chart and use the arrow keys. Red SOLD badges mark recorded sales.
This home · nearest recorded event
$899,000Closed sale · Jan 14, 2026ZIP 91913 · Jan 2026
No monthly averageAt least 3 eligible sales in this month are required.30-year fixed mortgage benchmark
No weekly rateNo published rate within 7 days of this date.ZIP averages use publicly displayable closed sales from our licensed MLS feed, matched to the same ZIP and exact property type. Months with fewer than 3 sales are omitted; the current month is incomplete. Lines connect available monthly observations across gaps and do not represent measured prices in missing months. These averages are not adjusted for size, condition, or location within the ZIP, and are not an appraisal. Feed coverage may not include every sale. All available shows the available home and ZIP history, with mortgage rates over the same dates.
Mortgage benchmark: Freddie Mac Primary Mortgage Market Survey®. © Freddie Mac. Weekly national 30-year fixed rates, not APRs or a loan quote. Actual terms vary. Methodology changed in November 2022. The chart does not establish that interest-rate changes caused a home’s price changes.
Lines connect recorded asking and sale prices. They are visual guides, not estimates of the home’s value between those dates.
No earlier records were returned by our current sources. This does not mean the home has never sold.
MLS records may be incomplete. Earlier asking prices are not sale prices.