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3123 Villa Espana — Spring Valley — 4 Beds • 3 Baths • 1,882 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

OPEN APR 18 · 11:30AM – 2:30PM

+37 more

$859,000

0 DOM

$456/sqft4 bd3 ba1,882 sqftHOA ~195/mo

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3123 Villa Espana Spring Valley, CA 91978

Welcome to this beautifully maintained 4-bedroom, 3-bathroom home in the heart of Spring Valley! Owned Solar as well as a Telsa Battery and EV charger make this a Green home. Thoughtfully designed for comfort and flexibility, this residence features a highly desirable first-floor bedroom and full bathroom—perfect for guests, multi-generational living, or a private home office. The updated kitchen is a standout, showcasing modern finishes, sleek countertops, and ample storage, making it ideal for both everyday living and entertaining. Natural light flows throughout the home, creating a warm and inviting atmosphere in every room. Upstairs, you’ll find spacious bedrooms, including a generous primary suite with its own private bath. Step outside to enjoy a low-maintenance yard with plenty of potential for outdoor gatherings or relaxation. Additional highlights include a brand-new 50 year roof for peace of mind, well-maintained interiors, and a convenient location close to shopping, dining, parks, and easy freeway access. Don’t miss this move-in ready opportunity to own a versatile and upgraded home in a desirable Spring Valley neighborhood!

MLS 260008767SD

562-335-5269 (Office) 619-987-7228 (Cell) joskar619@yahoo.com

Est. payment

$5,685/mo

Principal & interestTaxesInsuranceHOA

$4,344$895$251$195

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$5,685/mo

Principal & interest: $4,344
Est. property tax: $895
Est. insurance: $251
HOA (normalized / mo): $195
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)$-2,106/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 14, 2026	$859,000	—

Facts & Features

Transaction Data

HOA Fee$195/monthly

Structure & Property

Year Built1978

Garage Spaces2

562-335-5269 (Office) 619-987-7228 (Cell) joskar619@yahoo.com

Sale & Tax History

No Recent Sales History

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

Location

3123 Villa Espana, Spring Valley, CA 91978

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3123 Villa Espana Spring Valley, CA 91978

About this home

Joseph Karagianes

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Joseph Karagianes

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

3123 Villa Espana, Spring Valley, CA 91978

About This Property

Property Photos

3123 Villa Espana Spring Valley, CA 91978

About this home

Joseph Karagianes

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Joseph Karagianes

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.