490 Lado De Loma Dr , Vista, CA 92083
$2,599,999
Est. Payment: $13,129.23/mo
14 Bed
12 Bath
6322 Sqft
Status: active | Days on site: 3
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Exceptional investment opportunity in the heart of Vista! Built in 2025, this fully occupied four-unit property offers strong income, modern construction, and outstanding long-term investment potential. Generating $170,160 in gross scheduled annual income, this turnkey asset is an excellent addition to any portfolio and an ideal 1031 exchange opportunity. The property features two spacious three-story townhome-style units, each offering 5 bedrooms, 3.5 bathrooms, an attached one-car garage with electric car charging outlets, private driveway parking, energy-efficient mini-split heating and air conditioning, and in-unit laundry. The main level includes the kitchen, living room, half bath, and garage access. The lower level features two bedrooms, two bathrooms, and laundry, while the bottom level offers three additional bedrooms and a full bathroom. A second detached building includes two single-level units, each with 2 bedrooms and 2 bathrooms and energy-efficient mini-split heating and air conditioning—one upstairs and one downstairs. Beneath this building are two large bonus storage spaces that may offer future value-add potential, subject to buyer verification. All four units are tenant occupied, providing immediate cash flow from day one. As a newly constructed property, it is exempt from California’s statewide rent cap under AB 1482 (buyer to verify applicability), offering added flexibility for future rental growth. Additional features include owned solar, fire sprinkler systems throughout, quality modern construction designed for low maintenance, and a prime location near shopping, dining, schools, parks, and major commuter routes. Rarely does a newer, fully leased fourplex with strong income, quality construction, and future upside become available. Don’t miss this exceptional investment opportunity in one of Vista’s growing rental markets.

Highlights

Listed by Deborah See , 760-715-4295 eXp Realty of California, Inc. , 888-584-9427. CRMLS/Multi-Regional MLS mls logo

Property Type

Multi-Family

Lot/Acreage
0.21

Year Built

2025

County

San Diego

Area

92083 - Vista

Listing ID

PTP2605875

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:14
  • Bathrooms:12
  • Full Bathrooms:
Air Cond:Wall/Window Unit(s)
Fireplaces:

Exterior Features

Lot:Back Yard,No Land Lease
Garage Capacity:4
Zoning:R-1:SINGLE FAM-RES
Others:2+ Total Units
Principal Interest
$13,129
Taxes
$1,657

Home Price

$2,599,999

Loan Details

30 yrs
6.487%

Down Payment

20%
$520,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$13,129.23

Principal

Taxes

Principal Taxes HOA Total
Monthly $13,129.23 $1,657.50 $0.00 $14,786.73
Yearly $157,550.78 $19,889.99 $0.00 $177,440.78
Total $4,726,523.52 $596,699.77 $0.00 $5,323,223.29

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

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Market insight data is pulled from the same city as the listing being viewed (Vista, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-08-10T18:36:54.000Z

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