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1686 Santa Carolina Rd1 / 27 · Click to zoom

About this home

Assumable 2.75% loan for VA buyers. Welcome home to the exclusive Village of Montecito nestled in Otay Ranch! This stunning single family home offers a spacious open floor plan perfect for modern living. The chef's kitchen features granite countertops, stainless steel appliances and walk-in pantry. This home boasts a fully paid off solar array, attached 2-car garage, upstairs loft, private yard, covered patio, laminate flooring downstairs & upstairs laundry. Stay comfortable year-round with central A/C. Enjoy Village of Montecito amenities such as the sparkling pool, clubhouse, fitness center, sport courts, parks and playgrounds. Convenient to all and walking distance to the highly rated Muroaka Elementary and Otay Ranch High School.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$489,000 · Sep 2015
📋 Assessed value$590,444
💵 Annual tax$11,147
🏫 School districtSweetwater Union High School District

MLS #260012633SD

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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Interest rate %
Loan term (yrs)
Property tax %/yr
Home insurance %/yr
Estimated total monthly payment
$5,325
Principal & interest$4,298
Property tax$779
Home insurance$248
Down payment: $170,000Loan: $680,000

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.