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649 Chula Vista St
Score
0
Chula Vista, CA

649 Chula Vista St

720K
3 bd • 1 ba • 1,352 sf

This analysis was generated on 3/2/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.

AI Property Analysis

0:00
0:00 / 0:00
List Price

$720,000

Price/Sq.Ft

$533

Year Built

1921

AI Property Analysis

A comprehensive evaluation of this property's features, market position, and investment potential.

The Good

• Original Wood Trim and Doors: Preservation of original character, potential for restoration, adds historical charm • Built-in Hutch: Adds character and storage, can be a selling point for buyers who appreciate vintage details • Hardwood Floors (under carpet): Potential to refinish and add value, desirable feature for many buyers • Price Position: Price per square foot is $532.54, compare to recent comparable sales to determine if overpriced. • Appreciation Trend: Significant price increase since last sale in 1998 ($119,000 to $720,000) reflects long-term appreciation, but recent trends are more relevant. • Rental Income: $3,279/month with 90% occupancy (0.0% cap rate) • Safety: The violent crime rate is 24.3% higher than the state average and 14.1% higher than the national average. Property crime is 8.0% lower than the state average but 10.4% higher than the national average. Robbery is significantly higher than both state (53.6%) and national (181.9%) averages. • Future Development: No specific planned developments are mentioned in the immediate vicinity of the property.
Original Wood Trim and Doors

Original Wood Trim and Doors

Preservation of original character, potential for restoration, adds historical charm.

Built-in Hutch

Built-in Hutch

Adds character and storage, can be a selling point for buyers who appreciate vintage details.

Hardwood Floors (under carpet)

Hardwood Floors (under carpet)

Potential to refinish and add value, desirable feature for many buyers.

The Bad

• Ceiling Repair and Painting (HIGH priority): $15,000 • Kitchen Remodel (HIGH priority): $25,000 • Bathroom Renovation (MEDIUM priority): $5,000 • Exterior Painting and Repair (MEDIUM priority): $8,000 • Carpet Replacement (MEDIUM priority): $3,000 • High crime rates in National City (violent crime 24.3% higher than state average) may deter some buyers. • Property built in 1921 may require significant maintenance and repairs, impacting ROI. • Moderate heat risk (7 hot days/year) could increase utility costs and impact comfort. • School Quality Issue: Average school ratings (5/10) likely have a neutral to slightly negative impact on property values. Homes in areas with higher-rated schools may command a 5-10% premium. The charter school option may be a positive factor for some buyers. • Safety Concern: Score 46/100 - The violent crime rate is 24.3% higher than the state average and 14.1% higher than the national average. Property crime is 8.0% lower than the state average but 10.4% higher than the national average. Robbery is significantly higher than both state (53.6%) and national (181.9%) averages. • Natural light is limited in some rooms due to small windows and heavy curtains. The kitchen and laundry area appear particularly dark.

The Ugly

No critical issues identified
Ceiling Cracks and Damage

Ceiling Cracks and Damage

Visible cracks and peeling in the ceiling, indicating potential structural issues or water damage.

Outdated Electrical

Outdated Electrical

Outdated electrical fixtures and wiring, potential safety hazard.

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Original space

Original

Visible cracks and peeling in the ceiling, indicating potential structural issues or water damage.

Who is this property for?

These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.

Best For

Rental Property Investors: Potential annual revenue of $39,348 with 90% occupancy rate Value Investors: Projected 7.6% appreciation potential in moderate scenario Renovation-Minded Buyers: Estimated $56,000 in strategic upgrades could significantly increase property value

Not For

No specific buyer categories to avoid identified
Demographics
Area Median Income

$77,005

Property History

Price History
Ownership Timeline
$0Cash Purchase
Nov 20, 2020
Louise L OlsonLouise L Olson, Louise L Olson Living Trust
Intrafamily Transfer
Non-Arm's Length Transactions
$0Cash Purchase
Apr 5, 2019
George Paul Chesnosky, George P ChesnoskyLouise L Olson
Affidavit Of Death
Non-Arm's Length Transactions
$0Cash Purchase
Apr 11, 2008
George P ChesnoskyGeorge P Chesnosky, Louise L Olson
Intrafamily Transfer
Non-Arm's Length Transactions
$119,000Financed
Jan 13, 1998
Brenton Eugene HathawayGeorge Paul Chesnosky
Grant Deed
Standard Sale (Purchase/Resales)

Market Insights

Real-time analysis of the local housing market

February 2025
Seller's Market

This is currently a competitive market for buyers in 91910. Homes are selling quickly and often above asking price, so be prepared to act fast and make strong offers.

$800,000
$499/sqft
2.6%
Change from last month
Your price: $720K (-10%)
Your price/sqft: $533/sqft (+7%)
41
10 sold last month
5.1%
Change from last month
40 days
Average for homes in this area
41.9%
Change from last month
This property: 7 days (-83%)

Sale Price Distribution

Last month
5
Over Asking
homes
3
At Asking
homes
2
Under Asking
homes
Total: 10 homes sold

If you're buying a home in 91910, you could pay more than the asking price. 50% of homes here sold above asking price last month.

Sale Time Distribution

Last month
6
Under 30 Days
homes
Your property
3
30-90 Days
homes
1
Over 90 Days
homes
Total: 10 homes sold

Many homes in 91910 are selling fast, if you're buying plan to act quickly.

Sunlight Analysis

Visualize how sunlight affects this property throughout the day and year.

Sunlight Analysis

Data provided by Shadowmap

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Risk Assessment

Climate Risks

heatMODERATE

7 extreme heat days per year

98th percentile: 87°F

airMINIMAL

0 bad air quality days per year

floodMINIMAL

FEMA Zone: Minimal Risk Area

Insurance: Optional

fireMINIMAL

Insurance: Optional

windMINIMAL

Insurance: Optional

Safety Analysis

46/100
Average

Based on data from National City Police Department

Total Crime Rate
2059.5
per 100,000 residents
Violent Crime Rate
846.0
per 100,000 residents
Property Crime Rate
1202.5
per 100,000 residents

Crime Rate Comparison

Recent Crime Trends

2022
Violent Crimes
834
Property Crimes
1,257
2023
Violent Crimes
858
2.9%
Property Crimes
1,170
6.9%

Risk Analysis

• High crime rates in National City (violent crime 24.3% higher than state average) may deter some buyers. • Property built in 1921 may require significant maintenance and repairs, impacting ROI. • Moderate heat risk (7 hot days/year) could increase utility costs and impact comfort. • Climate & Insurance: Given the minimal climate risks, immediate mitigation measures are not critical. Standard weatherization (insulation, efficient windows) could cost $3,500-$5,000 and improve energy efficiency. • Ceiling Cracks and Damage: Visible cracks and peeling in the ceiling, indicating potential structural issues or water damage. • Outdated Electrical: Outdated electrical fixtures and wiring, potential safety hazard. • Exterior Wood Damage: Visible wear and tear on the exterior siding and trim, indicating potential water damage and rot. • Outdated Kitchen: The kitchen is outdated with worn cabinets, countertops, and flooring. The appliances appear to be old and inefficient. • Valuation Risk: Property may be overpriced by up to $10,000
Insurance
Annual Cost

$2,592

$216 per month

Cost & Affordability

Monthly Costs

Breakdown of estimated monthly expenses for this property

Monthly Payment
$0
* Estimated at 1% of home value annually. Actual costs may vary.
Not Included in Estimate
• Utilities (electricity, gas, water, internet)
• Home improvements and upgrades
• Landscaping and yard maintenance
• Pest control and home services
• Emergency repairs and replacements

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20.0% of purchase price

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$720 monthly
$216 monthly

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Schools

Feaster (mae L.) Charter School

CharterGrades K-8
5/5
Elementary
0.3 mi
Get more information on GreatSchools

Chula Vista Middle School

PublicGrades 7-8
4/5
Middle
1.1 mi
Get more information on GreatSchools

Chula Vista Senior High School

PublicGrades 9-12
5/5
High
2 mi
Get more information on GreatSchools

Financials

Monthly Costs
Market Rent (3 bed)

$3,279

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Location & Comparables

Subject Property
Comparable Sales
View on Zillow

Subject Property

Price
$720,000
Price/sqft
$533
Layout
3 bd1 ba
Days on market
7 daysat time of analysis

Stats in the Area

Based on 6 comparable properties nearby

Average Price

$790,833

9.0%

Your price is 9.0% below average

Median Price

$770,000

6.5%

Based on 6 recent sales

Price per Sq.Ft

$660

19.3%

Your price is 19.3% below average $/sqft

Comparable Properties

220 Beech, Chula Vista, CA 91910
Price: $770,000
Sq.Ft: 1,198
Beds/Baths: 3/1
$/Sq.Ft:
$64320.7%
Sale Date: 10/15/2024
564 E Street, Chula Vista, CA 91910
Price: $770,000
Sq.Ft: 1,198
Beds/Baths: 3/1
$/Sq.Ft:
$64320.7%
Sale Date: 10/12/2024
139 5th Avenue, Chula Vista, CA 91910
Price: $700,000
Sq.Ft: 1,188
Beds/Baths: 2/1
$/Sq.Ft:
$58910.6%
Sale Date: 10/13/2024
156 Fourth Ave, Chula Vista, CA 91910
Price: $790,000
Sq.Ft: 1,206
Beds/Baths: 3/2
$/Sq.Ft:
$65523.0%
Sale Date: 1/10/2025
249 249 1/2 Garret Avenue, Chula Vista, CA 91910
Price: $1,235,000
Sq.Ft: 1,200
Beds/Baths: N/A/N/A
$/Sq.Ft:
$1,02993.3%
Sale Date: 1/6/2025
471 Fourth Avenue #E, Chula Vista, CA 91910
Price: $480,000
Sq.Ft: 1,200
Beds/Baths: 3/2
$/Sq.Ft:
$40024.9%
Sale Date: 11/6/2024

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