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635 Via Santa Cruz — Vista — 3 Beds • 2 Baths • 1,867 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+27 more

$645,000

0 DOM

$345/sqft3 bd2 ba1,867 sqftHOA ~110/mo

Call

635 Via Santa Cruz Vista, CA 92081

4,321sqft lot

Amazing home in Vista Del Mar 55+ community with 2 car garage AND no space rent as you own the land! Spacious open floorplan with luxury vinyl flooring, plantation shutters, ceiling fans, large living/dining room and family room with french doors leading to your outdoor entertaining area. Also open to ample size kitchen w/tons of storage cabinets, beautiful honey gold granite counters, SS appliances, DOUBLE OVEN, eating nook (french door refrigerator stays). Large primary suite with 3 closets so lots of storage, walk-in shower and extra linen cabinets, dual sinks & granite countertop. Hall bath has granite counter and shower/tub. Extra-large laundry room with utility sink & lots of cabinets (washer/dryer stays). Enjoy your covered outdoor space, plenty of room for entertaining which also flows indoors, stamped concrete & storage shed attached. LOW HOA with resort amenities including clubhouse, pool, spa, gym, pickleball & tennis courts, fitness center, library & RV/boat parking. A diamond close to beaches & restaurants and EZ fwy access.

MLS NDP2603588

760-677-0100 (Office) 760-207-8300 (Cell) vikkitc@aol.com

Est. payment

$4,231/mo

Principal & interestTaxesInsuranceHOA

$3,261$672$188$110

Down %

Rate %

Years

Down payment: $129,000 · Total cost: $1,303,130

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$4,231/mo

Principal & interest: $3,261
Est. property tax: $672
Est. insurance: $188
HOA (normalized / mo): $110
Down payment: $129,000

Est. gross rent$2,688/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)$-1,543/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.

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Price History

Event	Date	Price	Change
Listed	Apr 15, 2026	$645,000	—

Facts & Features

Transaction Data

HOA Fee$110/monthly

Structure & Property

Year Built1989

Garage Spaces2

760-677-0100 (Office) 760-207-8300 (Cell) vikkitc@aol.com

Sale & Tax History

No Recent Sales History

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

Location

635 Via Santa Cruz, Vista, CA 92081

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635 Via Santa Cruz Vista, CA 92081

About this home

Victoria Varnals

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Victoria Varnals

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

635 Via Santa Cruz, Vista, CA 92081

About This Property

Property Photos

635 Via Santa Cruz Vista, CA 92081

About this home

Victoria Varnals

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Victoria Varnals

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.