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180 Chambers 21 — El Cajon — 2 Beds • 2 Baths • 925 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+9 more

$449,950

0 DOM

$486/sqft2 bd2 ba925 sqftHOA ~308/mo

Call

180 Chambers 21 El Cajon, CA 92020

2.60acre lot

Terrific 2 Bedroom 2 Bathroom Upstairs End-Unit. Open Floorplan with lots of Natural Light. Granite Countertops! Stainless Steel Appliances! The WORKS! Laundry In Unit! Newer HVAC, Washer & Dryer! TWO Parking Spots. Complex includes Pool, Spa, Fitness Center and BBQ Areas. Close to Restaurants, Parks, and Neighborhood Stores. VA Approved! Excellent Opportunity for a First-Time Buyer or Investor.

MLS 260008903SD

619-286-9400 (Office) 619-286-9400 (Cell) mthomas@calendingco.com

Est. payment

$3,183/mo

Principal & interestTaxesInsuranceHOA

$2,275$469$131$308

Down %

Rate %

Years

Down payment: $89,990 · Total cost: $909,059

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$3,183/mo

Principal & interest: $2,275
Est. property tax: $469
Est. insurance: $131
HOA (normalized / mo): $308
Down payment: $89,990

Est. gross rent$1,875/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)$-1,308/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.

Price History

Event	Date	Price	Change
Listed	Apr 15, 2026	$449,950	—

Facts & Features

Transaction Data

HOA Fee$308/monthly

Structure & Property

Year Built1985

Garage Spaces2

619-286-9400 (Office) 619-286-9400 (Cell) mthomas@calendingco.com

Sale & Tax History

No Recent Sales History

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

Location

180 Chambers 21, El Cajon, CA 92020

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Call

180 Chambers 21 El Cajon, CA 92020

About this home

Michael Thomas

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Michael Thomas

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

180 Chambers 21, El Cajon, CA 92020

About This Property

Property Photos

180 Chambers 21 El Cajon, CA 92020

About this home

Michael Thomas

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Michael Thomas

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.