1314 Stearns Wharf Rd Chula Vista, CA 91913
Otay Ranch NeighborhoodEstimated payment $8,249/month
Total Views
3,679
4
Beds
4
Baths
2,776
Sq Ft
$432
Price per Sq Ft
Highlights
- Popular Property
- Solar Power System
- Retreat
- Saburo Muraoka Elementary School Rated A-
- Living Room with Fireplace
- Loft
About This Home
From the moment you arrive at 1314 Stearns Wharf Road, you feel it: this is more than a house… it’s a place where life unfolds beautifully. Set in the heart of Montecito at Otay Ranch, this former model home blends thoughtful upgrades with a layout designed for connection, comfort, and joy. Step inside to soaring ceilings, custom tile flooring, and an open great room that invites everyone to gather. The kitchen is a dream: gleaming quartz counters, stainless steel appliances, a large walk-in pantry, and endless cabinetry. The dining area flows easily from the kitchen and leads to a spacious living room with surround sound and a cozy fireplace that anchors family nights and holiday mornings. There’s a separate formal dining room too… perfect for celebrations, birthday candles, and memories in the making. Downstairs also includes a private bedroom ideal for guests or a peaceful home office. Upstairs, a bonus loft gives everyone space to spread out for movie marathons, homework zones, or yoga at sunrise. The primary suite is your retreat, with a spa-inspired en-suite bath and peaceful ambiance. Another upstairs bedroom also offers its own en-suite bath, perfect for growing teens or extended stays. Step outside into your own private oasis: a built-in BBQ kitchen, shaded gazebo, & landscaped yard ready for weekend gatherings and quiet evenings under the stars. With solar, tankless water heater, EV charging, and a location near top-rated schools and parks… this home offers more than upgrades. It offers a lifestyle. Welcome home. Welcome to 1314 Stearns Wharf Road, a radiant former model home nestled in the heart of Montecito at Otay Ranch. This is more than a house… it’s where morning routines feel peaceful, where birthdays are celebrated in the backyard, and where every corner reflects pride of ownership and care. Thoughtfully designed and beautifully maintained, this home is a true standout. From the moment you step inside, you’ll be struck by its bright, modern aesthetic and inviting flow. Custom tile floors extend through the main level, leading to a grand open-concept great room where the kitchen, dining area, and living room create a warm, connected space. The chef’s kitchen features gleaming quartz countertops, stainless steel appliances, a generous walk-in pantry, and abundant cabinetry. The adjacent dining area is spacious enough to host large gatherings, while the living room invites connection with a cozy fireplace and built-in surround sound. This great room area opens effortlessly to the outdoor living space… creating that seamless indoor-outdoor lifestyle that’s so quintessentially Southern California. Step outside and unwind under a shaded gazebo, fire up the built-in barbecue kitchen, and enjoy evenings surrounded by low-maintenance landscaping designed for beauty and ease. Back inside, a separate formal dining room provides space for elegant dinners and holiday traditions. Downstairs also offers a private bedroom, ideal for guests, a home office, or a quiet retreat. Upstairs, a large loft offers flexible living: from game nights to work-from-home setups or a second lounge space. The primary suite is a sanctuary of its own, complete with a second fireplace and a luxurious en-suite bath. Another upstairs bedroom includes its own en-suite as well, offering privacy and comfort for everyone. Montecito at Otay Ranch is one of the most cherished communities in Chula Vista, known for its family-friendly feel, walkable design, and impressive amenities. Residents enjoy the Montecito Clubhouse with a resort-style pool and spa, fitness center, sports courts, and social gathering spaces. Parks and trails are abundant, and schools nearby are top-rated. You're also just minutes from the Otay Ranch Town Center, where shops, restaurants, and entertainment make errands easy and weekends fun. This home is loaded with thoughtful upgrades and move-in-ready features: Notable Upgrades and Features: Former model home with hig
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $17,740
Year Built
- Built in 2018
Lot Details
- 5,806 Sq Ft Lot
- Property is Fully Fenced
- Level Lot
- Private Yard
- Property is zoned R-1:SINGLE
HOA Fees
- $61 Monthly HOA Fees
Parking
- 2 Car Attached Garage
- Garage Door Opener
- Driveway
Home Design
- Clay Roof
Interior Spaces
- 2,776 Sq Ft Home
- 2-Story Property
- Built-In Features
- Formal Entry
- Great Room
- Family Room Off Kitchen
- Living Room with Fireplace
- 2 Fireplaces
- Formal Dining Room
- Loft
- Bonus Room
Kitchen
- Breakfast Area or Nook
- Walk-In Pantry
- Gas Cooktop
- Microwave
- Dishwasher
- Disposal
Flooring
- Carpet
- Linoleum
- Tile
Bedrooms and Bathrooms
- 4 Bedrooms
- Retreat
- Main Floor Bedroom
- Fireplace in Primary Bedroom Retreat
- Walk-In Closet
- 4 Full Bathrooms
Laundry
- Laundry Room
- Gas Dryer Hookup
Home Security
- Security Lights
- Carbon Monoxide Detectors
- Fire and Smoke Detector
Schools
- Chula Vista Elementary District
- Sweetwater Union High School District Middle School
- Sweetwater Union High School District
Utilities
- Separate Water Meter
- Tankless Water Heater
Additional Features
- Solar Power System
- Outdoor Grill
Listing and Financial Details
- Assessor Parcel Number 644-345-52-00
- $4,850 annual special tax assessment
Community Details
Overview
- Association fees include common area maintenance, clubhouse paid
- Montecito At Otay Ranch Association, Phone Number (858) 576-5595
Recreation
- Community Pool
- Community Spa
Map
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Home Values in the Area
Average Home Value in this Area
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $17,740 | $1,125,608 | $645,048 | $480,560 |
| 2023 | $17,167 | $1,103,538 | $632,400 | $471,138 |
| 2022 | $11,090 | $600,852 | $150,107 | $450,745 |
| 2021 | $10,700 | $589,071 | $147,164 | $441,907 |
| 2020 | $10,453 | $583,032 | $145,656 | $437,376 |
| 2019 | $10,202 | $571,600 | $142,800 | $428,800 |
| 2018 | $8,629 | $430,000 | $140,000 | $290,000 |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 06/05/2025 06/05/25 | For Sale | $1,200,000 | -- | $432 / Sq Ft |
Source: San Diego MLS
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Grant Deed | $1,082,000 | None Listed On Document |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $49,000 | New Conventional | |
| Previous Owner | $858,705 | New Conventional |
Source: Public Records
Similar Homes in Chula Vista, CA
Source: San Diego MLS
MLS Number: 250029678
APN: 644-345-52
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