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338 Spruce St — Chula Vista — 4 Beds • 2 Baths • 1,529 Sq Ft | Belmont Brokerage | Belmont Brokerage

Pending

+35 more

$859,000

5 DOM

$562/sqft4 bd2 ba1,529 sqft

Call

338 Spruce St Chula Vista, CA 91911

7,400sqft lot

Seller will entertain offers between $809,000 and $859,000. This charming single-story home sits on a spacious 7,400 sq ft corner lot and showcases a neutral palette paired with a functional, open floor plan. Interior highlights include vaulted ceilings, an updated kitchen featuring quartz countertops and stainless steel appliances, dual-pane windows, durable vinyl plank flooring, and central heating and air conditioning. Step outside to an expansive backyard complete with a covered patio—perfect for entertaining or relaxing—along with ample open space to suit a variety of needs. The generous corner lot offers excellent potential for RV parking, additional storage, or the addition of an ADU, making this property as versatile as it is inviting.

MLS 260008527SD

619-675-0123 (Office) 619-864-2321 (Cell) thad@thadryan.com

Est. payment

$5,490/mo

Principal & interestTaxesInsurance

$4,344$895$251

Down %

Rate %

Years

Down payment: $171,800 · Total cost: $1,735,486

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$5,490/mo

Principal & interest: $4,344
Est. property tax: $895
Est. insurance: $251
Down payment: $171,800

Est. gross rent$3,579/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-1,911/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.

Virtual Tour

Explore 3D Space

Opens interactive virtual tour

Price History

Event	Date	Price	Change
Listed	Apr 10, 2026	$859,000	—

Facts & Features

Transaction Data

Structure & Property

Year Built1971

Garage Spaces2

619-675-0123 (Office) 619-864-2321 (Cell) thad@thadryan.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

338 Spruce St, Chula Vista, CA 91911

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Call

338 Spruce St Chula Vista, CA 91911

About this home

Thad Ryan

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Thad Ryan

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

338 Spruce St, Chula Vista, CA 91911

About This Property

Property Photos

338 Spruce St Chula Vista, CA 91911

About this home

Thad Ryan

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Thad Ryan

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.