490 Lado De Loma Drive
Vista, CA, 92083 $ 2,599,999
Baths2.0 Sq 6,322 Monthly Estimate*
$ 16,417
Listed by eXp Realty of California, Inc.
Studio for $2,599,999 with 2 full baths. This 6,322 square foot home was built in 2025 on a lot size of 0.21.
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.
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FeaturesGeneralHeating Wall Furnace
Cooling Wall/Window Unit(s)
Zoning R-1:SINGLE FAM-RES
HOA Fee 0
Garage Spaces 2
Pool Features None
Year Built 2025
Gross Income 170160
Community Features Street Lights
County San Diego
Net Operating Income 159864
Operating Expense 10296
Insurance Expense 0
Property Type Residential Income
HOA false
Garage Y/N true
Special Listing Conditions Standard
Status Active
Directions GPS
City Vista
Entry Location front door
Senior Community Y/N false
Open Parking Spaces 2
Number Of Units Total 4
MLS Area 92083 - Vista
Lot Size Units Acres
Lot Size Square Feet 9147.6
Number of Units Leased 4
Listing Terms Cash Conventional 1031 Exchange FHA VA Loan
Property Attached Y/N true
Land Lease Y/N false
Fuel Expense 0
Trash Expense 0
Water Sewer Expense 0
Rent Control Y/N false
Virtual Tour https://www.zillow.com/view-imx/58672863-9c08-4fd0-9978-6e5c45ed65d6?wl=true&setAttribution=mls&initialViewType=pano
Standard Status Active
Tax Lot 999999
Taxes 0
Cap Rate 6.15
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InteriorTotal Stories 3
Common Walls 1 Common Wall
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N false
Laundry Features Inside
Entry Level 3
Total Baths 0
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ExteriorLot Features Back Yard
Total Parking 4
Lot Size Area 0.21
Number of Buildings 2
Spa false
Building Area Total 6322
Lot Size Acres 0.21
Private Pool false
Lot Size Source Assessor
Number of Separate Water Meters 1
Number of Separate Gas Meters 1
Number of Separate Electric Meters 4
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* Excluded FeaturesList ByExp Realty Of California, Inc.Broker
deborahmsee@gmail.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $16,417
- Monthly Property Taxes
- --
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbyMulti-family listings in Vista, CA
Average List Price $3,426,861
Percent of Sale Price 32%
About Vista, CA 101,964 Population
15% Since 2002
$ 56,854 Median Income
34.5 Median Age
34% Households with Children
Trends Information provided by ATTOM Data Solutions.
4827338 Elementary School
4827337 Middle School
Unknown High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 8/4/2026 | $2,599,999 | | Listed Price |