Otay Ranch Homes under $1 million

Welcome to Otay Ranch, a vibrant and family-friendly neighborhood nestled in the heart of Chula Vista, California. Known for its picturesque landscapes and welcoming community, Otay Ranch offers a perfect blend of suburban tranquility and urban convenience. With its prime location in San Diego County, residents enjoy easy access to major highways, making commutes to downtown San Diego and nearby attractions a breeze.

Otay Ranch is renowned for its beautifully designed homes, many of which are available for under $1 million. This makes it an ideal destination for first-time homebuyers, growing families, and anyone looking to invest in a thriving community. The neighborhood features a diverse selection of properties, from charming single-family homes to modern townhouses, all set against the backdrop of stunning mountain views and lush parks.

Families will appreciate the abundance of nearby amenities, including top-rated schools, shopping centers, and recreational facilities. The Otay Ranch Town Center boasts an array of shops, restaurants, and entertainment options, ensuring that residents have everything they need within reach. For outdoor enthusiasts, the area is dotted with parks and trails, perfect for weekend adventures or leisurely strolls.

In addition to its excellent amenities, Otay Ranch fosters a strong sense of community, with regular events and activities that bring neighbors together. Whether you’re looking for a place to raise a family or simply want to enjoy the Southern California lifestyle, Otay Ranch is a neighborhood that truly has it all. Come experience the charm and warmth of this delightful community, where your dream home awaits!

Newest Otay Ranch Homes under $1 million

$779,000

4 Beds ⋅ 3 Baths ⋅ NDP2609938 MLS ⋅ ACTIVE Status

ASSUMABLE VA LOAN OPTION : 2.5% INTEREST RATE | CURRENT PAYOFF AMOUNT : $556,955.04 and counting (reducing). Only assumable for buyers with VA. Experience modern luxury at 1859 Posh Ln, a stunning detached residence nestled in the highly sought-after Millenia community of Otay Ranch. Built in 2021, this beautifully appointed 4-bedroom, 3-bath home offers 1,681 square feet of sophisticated living, featuring a desirable first-floor bedroom and full bath, an open-concept layout, designer finishes, and a chef-inspired kitchen with quartz countertops, stainless steel appliances, and an oversized island perfect for entertaining. Leased solar on roof. ASSUMABLE VA LOAN OPTION : 2.5% INTEREST RATE | CURRENT PAYOFF AMOUNT : $556,955.04 and counting (reducing). Only assumable for buyers with VA. Experience modern luxury at 1859 Posh Ln, a stunning detached residence nestled in the highly sought-after Millenia community of Otay Ranch. Built in 2021, this beautifully appointed 4-bedroom, 3-bath home offers 1,681 square feet of sophisticated living, featuring a desirable first-floor bedroom and full bath, an open-concept layout, designer finishes, and a chef-inspired kitchen with quartz countertops, stainless steel appliances, and an oversized island perfect for entertaining. Leased solar on roof.

1859 Posh Ln, Chula Vista

$975,000

4 Beds ⋅ 2 Baths ⋅ PTP2607967 MLS ⋅ ACTIVE Status

Fantastic opportunity! SHORT SALE SUBJECT TO LENDER APPROVAL. Welcome to this beautifully remodeled SINGLE LEVEL HOME in the desirable McMillin Lomas Verdes community of Otay Ranch. Thoughtfully updated and filled with natural light, this inviting home features an open-concept floor plan, contemporary tile flooring throughout, and a stylish blend of comfort and modern design. At the heart of the home is the beautifully renovated kitchen, featuring sleek cabinetry, quartz countertops, and modern finishes that create a functional and inviting space for both everyday living and entertaining. The single-level layout offers effortless living, while the tasteful upgrades throughout provide a truly move-in-ready experience. Step outside to a low-maintenance backyard with premium artificial turf, offering an ideal setting for outdoor dining, entertaining, relaxing, or enjoying time with family and friendswithout the hassle of extensive yard maintenance. Perfectly situated near highly regarded schools, parks, shopping, dining, and major commuter routes, this home puts the best of Otay Ranch right at your fingertips. WALKING DISTANCE to nearby restaurants, parks and trails. Whether you're a first-time buyer, looking to downsize, or simply searching for a turnkey home in one of Chula Vista's sought-after communities, this beautifully updated property is ready to welcome you home. Fantastic opportunity! SHORT SALE SUBJECT TO LENDER APPROVAL. Welcome to this beautifully remodeled SINGLE LEVEL HOME in the desirable McMillin Lomas Verdes community of Otay Ranch. Thoughtfully updated and filled with natural light, this inviting home features an open-concept floor plan, contemporary tile flooring throughout, and a stylish blend of comfort and modern design. At the heart of the home is the beautifully renovated kitchen, featuring sleek cabinetry, quartz countertops, and modern finishes that create a functional and inviting space for both everyday living and entertaining. The single-level layout offers effortless living, while the tasteful upgrades throughout provide a truly move-in-ready experience. Step outside to a low-maintenance backyard with premium artificial turf, offering an ideal setting for outdoor dining, entertaining, relaxing, or enjoying time with family and friendswithout the hassle of extensive yard maintenance. Perfectly situated near highly regarded schools, parks, shopping, dining, and major commuter routes, this home puts the best of Otay Ranch right at your fingertips. WALKING DISTANCE to nearby restaurants, parks and trails. Whether you're a first-time buyer, looking to downsize, or simply searching for a turnkey home in one of Chula Vista's sought-after communities, this beautifully updated property is ready to welcome you home.

1757 Clover Tree Ct, Chula Vista

$815,000

4 Beds ⋅ 3 Baths ⋅ 260025566 MLS ⋅ ACTIVE Status ⋅ Anden At Escaya BLDG.

Why settle for a new build when you can have the upgrades already done? Enjoy the benefits of newer construction without the added expense of landscaping or solar! This beautifully designed 4-bedroom, 2.5-bath townhouse-style condo, sharing only one wall, offers fully owned solar, a Tesla battery backup, EV charging station, and a completed backyard overlooking peaceful valley, preserve, and unobstructed OCEAN views! Inside, an inviting open-concept floor plan brings everyone together, featuring a spacious eat-in kitchen with scenic views and all-new appliances. Upstairs, a versatile loft provides the perfect space for a home office, homework station, or additional storage, while the conveniently located laundry room simplifies everyday living. An ADT security system adds another layer of peace of mind. Beyond your doorstep, enjoy resort-style amenities including a pool, spa, fitness center, basketball and pickleball courts, BBQ areas, playgrounds, walking trails, and dog parks. Just 10–15 minutes from Imperial Beach and San Diego Bay, and approximately 15 miles from Downtown San Diego, this home delivers the perfect balance of coastal convenience and community living. The upgrades are done, the views are waiting, and the lifestyle is yours to enjoy from day one!

2174 Tributary Dr Unit 2, Chula Vista

$725,000

3 Beds ⋅ 3 Baths ⋅ PTP2607893 MLS ⋅ ACTIVE Status ⋅ Mosaic BLDG.

This 3-bed, 3-bath, end-unit, is a townhome-style residence which offers a layout that provides options and flexibility. The attached 2-car garage allows direct access into the unit. Once inside, you are greeted with a bedroom and ensuite bathroom. Up one flight of stairs you will find the open main level, which brings the living, dining and kitchen areas together for easy everyday living and entertaining. The kitchen features granite countertops, stainless steel appliances, and connects to the large laundry room. Because this is an end unit, you also have an exclusive-use balcony to enjoy the outdoors and test your BBQ skills. This floor also features a bedroom and full bathroom. But wait...there's more. Go up one additional level and you'll find a large loft area and the primary suite. The loft area is a great flex space that can be used as a second living room, office, or playroom. The primary suite offers a walk-in closet, dual vanities, and a soaking tub separate from the shower. The home has all the modern comforts buyers are looking for (Solar, central forced air, and solid surface flooring), while having the added benefit of a great location! With tree lined streets and a cape cod vibe, this idyllic neighborhood is special. Walkable to award winning schools and close to shopping, dining and entertainment, with convenient access to SR-125 for commuting throughout San Diego County. Property is VA approved and certified by Freddie Mac. *** Assumable VA loan at 6.25% with an estimated balance of $678k *** This 3-bed, 3-bath, end-unit, is a townhome-style residence which offers a layout that provides options and flexibility. The attached 2-car garage allows direct access into the unit. Once inside, you are greeted with a bedroom and ensuite bathroom. Up one flight of stairs you will find the open main level, which brings the living, dining and kitchen areas together for easy everyday living and entertaining. The kitchen features granite countertops, stainless steel appliances, and connects to the large laundry room. Because this is an end unit, you also have an exclusive-use balcony to enjoy the outdoors and test your BBQ skills. This floor also features a bedroom and full bathroom. But wait...there's more. Go up one additional level and you'll find a large loft area and the primary suite. The loft area is a great flex space that can be used as a second living room, office, or playroom. The primary suite offers a walk-in closet, dual vanities, and a soaking tub separate from the shower. The home has all the modern comforts buyers are looking for (Solar, central forced air, and solid surface flooring), while having the added benefit of a great location! With tree lined streets and a cape cod vibe, this idyllic neighborhood is special. Walkable to award winning schools and close to shopping, dining and entertainment, with convenient access to SR-125 for commuting throughout San Diego County. Property is VA approved and certified by Freddie Mac. *** Assumable VA loan at 6.25% with an estimated balance of $678k ***

1812 Olive Green St Unit 1, Chula Vista

$774,900

4 Beds ⋅ 3 Baths ⋅ 260025064 MLS ⋅ ACTIVE Status

LOWEST-PRICED 4-BEDROOM IN 91913! This is the opportunity you've been waiting for in one of Chula Vista's most sought-after communities. Welcome to this spacious 4-bedroom, 2.5-bath home in the heart of Otay Ranch, offering the perfect blend of space, value, and lifestyle. Filled with natural light, the functional floor plan is designed for everyday living and effortless entertaining. The well-appointed kitchen features abundant cabinetry and generous counter space, flowing seamlessly into the dining area and inviting family room. Upstairs, enjoy the convenience of a dedicated laundry room and four generously sized bedrooms, including a spacious primary suite with a walk-in shower, soaking tub, dual-sink vanity, and ample closet space. Step outside to a low-maintenance, fully paved patio perfect for outdoor dining, kids' playtime, pets, or simply relaxing without the upkeep. Additional highlights include an attached 2-car garage, ample street parking, and a low HOA of just $130/month with access to a nearby community pool and parks. Live just minutes from top-rated schools, shopping, dining, and the 125 Freeway while enjoying everything that makes Otay Ranch one of Chula Vista's most desirable communities. Whether you're a first-time buyer, growing household, or looking for the best value in 91913, this home is one you won't want to miss.

1844 San Sebastian, Chula Vista

$550,000

2 Beds ⋅ 2 Baths ⋅ 260023078 MLS ⋅ ACTIVE Status ⋅ Aviare BLDG.

Built in 2014,󠃳󠂠󠂀󠂠󠃢󠂁󠂢󠃢󠂁󠂣󠃢󠂁󠂣󠃍󠂏󠃍󠂏 this 2-bedroom, 2-bath end-unit townhome in the Aviare community of Village of Montecito at Otay Ranch has been lovingly maintained by its original owner. Warm, bright, and completely move-in ready, this one's waiting for you. Inside you'll feel it right away: an open, airy floor plan with a kitchen featuring granite countertops, stainless steel appliances, gas cooking, and an island where you can sit and enjoy a meal at any time of the day, or step outside to your private balcony to simply relax. The primary bedroom has an en-suite bathroom, dual sinks, and a walk-in closet. The home is equipped with other practical features such as a Nest thermostat, Ring doorbell, alarm system, a whole house fan and ceiling fans in both bedrooms as well as in the living room. And because this owner planned ahead, you won't be tackling big projects for years to come: a 16-panel solar system, newer HVAC unit, washer, dryer and dishwasher, a tankless water heater, whole-house water filtration system and softener, a UV air scrubber, new toilets, and LED recessed lighting all thoughtfully upgraded over the last 1 to 4 years. The one-car garage comes with an EV charger and overhead storage, plus a reserved parking spot just a few feet from the front door. Outside, resort-style amenities await, including two pools, spa, BBQ and picnic areas, clubhouse, gym, tennis and basketball courts, bocce ball, playgrounds and a large grass field. Close proximity to schools, parks, shopping, and entertainment. This is one you just can't miss!

1450 Santa Diana Rd Unit 1, Chula Vista

$575,000

2 Beds ⋅ 3 Baths ⋅ 260022936 MLS ⋅ ACTIVE Status ⋅ Suwerte BLDG.

Enjoy the Otay Ranch lifestyle from this move-in-ready, upper-level 2-bedroom, 2.5-bath townhome in the Suwerte community. The bright, open-concept kitchen, dining, and living area creates an inviting space for everyday living and entertaining, with direct access to a private outdoor patio. Stainless steel appliances, laminate flooring throughout the main living area, and newer carpet in the bedrooms give the home a fresh, comfortable feel. The primary bedroom includes an ensuite bath, while the secondary bedroom has access to a full guest bath. The main level also includes a guest half bath, stackable laundry, and coat closet. A two-car garage is just down stairs from the unit entrance. Community amenities include a swimming pool, pickleball court, clubhouse, park, dog park, foosball, and more. With low HOA dues, Otay Ranch Town Center just minutes away, and convenient access to SR-125, this home offers an easy, low-maintenance lifestyle close to shopping, dining, recreation, and all that San Diego has to offer.

2045 Mindoro Ln Unit 2, Chula Vista

$849,900

3 Beds ⋅ 3 Baths ⋅ PTP2606218 MLS ⋅ ACTIVE Status ⋅ Tapestry BLDG.

Seller offering a $10,000 credit toward buyer's interest rate buydown, subject to lender approval and terms of an accepted offer. Welcome home to this beautifully maintained 3-story residence in the sought-after Tapestry community of Otay Ranch. A fenced front courtyard and porch set the tone for the light-filled main-level living room with fireplace, which opens to a sleek kitchen featuring stainless steel appliances and a gas range before flowing seamlessly into a spacious dining area perfect for entertaining. A generous side yard adds outdoor living space rarely found in this floor plan. Upstairs, all three bedrooms, loft and the laundry room offer convenient one level living, including two full baths with dual sink vanities. The third level delivers a versatile oversized loft, ideal as a playroom, home office, or optional fourth bedroom. Central heat and air, wood, tile, and carpet flooring, tankless waterheater, tile roof, rain gutters, and a rear-facing 2-car attached garage round out the features. Enjoy resort style HOA amenities including a community pool, spa, BBQ area, clubhouse, and playground, all just steps from your door. Nearby top rated schools, neighborhood parks, and take advantage of quick access to SR-125 for an easy commute. Minutes to Otay Ranch Town Center for shopping, dining, and entertainment. Meticulously maintained and move-in ready, this is Otay Ranch living at its best. Seller offering a $10,000 credit toward buyer's interest rate buydown, subject to lender approval and terms of an accepted offer. Welcome home to this beautifully maintained 3-story residence in the sought-after Tapestry community of Otay Ranch. A fenced front courtyard and porch set the tone for the light-filled main-level living room with fireplace, which opens to a sleek kitchen featuring stainless steel appliances and a gas range before flowing seamlessly into a spacious dining area perfect for entertaining. A generous side yard adds outdoor living space rarely found in this floor plan. Upstairs, all three bedrooms, loft and the laundry room offer convenient one level living, including two full baths with dual sink vanities. The third level delivers a versatile oversized loft, ideal as a playroom, home office, or optional fourth bedroom. Central heat and air, wood, tile, and carpet flooring, tankless waterheater, tile roof, rain gutters, and a rear-facing 2-car attached garage round out the features. Enjoy resort style HOA amenities including a community pool, spa, BBQ area, clubhouse, and playground, all just steps from your door. Nearby top rated schools, neighborhood parks, and take advantage of quick access to SR-125 for an easy commute. Minutes to Otay Ranch Town Center for shopping, dining, and entertainment. Meticulously maintained and move-in ready, this is Otay Ranch living at its best.

1817 Olive Green St, Chula Vista

$810,000

4 Beds ⋅ 3 Baths ⋅ 260019704 MLS ⋅ ACTIVE Status ⋅ Avila BLDG.

BACK ON THE MARKET- No fault of the property (buyer had funding issues). Beautiful detached single-family home on a desirable corner lot in the highly sought-after Avila community of Otay Ranch Village 2! This impeccably maintained home features a spacious kitchen with granite countertops, stainless steel appliances, and a new refrigerator and washer plus dryer, Nest thermostat, and Nest doorbell are all included. Newer wood laminate flooring extends throughout both levels, complemented by LED lighting and fresh interior paint. All bedrooms and the laundry room are conveniently located upstairs, with a private balcony off the front bedroom. The spacious primary suite offers a walk-in closet and an en-suite bath with separate tub and shower, accented by travertine flooring. Custom California Closets in the bedrooms and pantry provide exceptional organization and storage. Step outside to a beautifully designed backyard featuring a custom-built deck with shade sails and interlocking pavers- creating the perfect space for relaxing or entertaining. Additional upgrades include overhead garage storage, a new water heater, a 440V EV wall charger, and a ceiling fan in the primary and guest bedroom and living room. Residents enjoy access to the Otay Ranch HOA amenities, including a resort-style pool and spa, fitness center, BBQ area, and inviting outdoor patios. This move-in-ready home has been meticulously maintained, thoughtfully upgraded, and is truly a must-see! Broker and Broker's Agents do not represent or guarantee accuracy of the square footage, permitted or unpermitted space, bd/ba count, lot size/dimensions,schools, or other information concerning the conditions or features of the property. Buyer is advised to independently verify the accuracy of all informationthrough personal inspection & w/ appropriate professionals to satisfy themselves.

1656 Calle De La Flor, Chula Vista

1360 Santa Victoria Rd Unit 2, Chula Vista

$785,000

5 Beds ⋅ 4 Baths ⋅ 260019144 MLS ⋅ ACTIVE Status ⋅ Tosara Ii BLDG.

OWNED, PAID-OFF SOLAR + NEW FLOORING THROUGHOUT | 5 BED | 3.5 BATH | 2,366 SQ FT | TOSARA II AT OTAY RANCH. New flooring runs through every level, including the stairs, part of roughly $50,000 in upgrades since 2022 that also include fresh paint, matched bathroom fixtures, and a new range, microwave, and disposal. The main level has an open living, dining, and kitchen layout, a half bath, and direct access to the attached 2-car garage. The second floor has the primary suite, two bedrooms, a hall bath, and inside laundry. The top floor adds an en-suite bedroom plus an enclosed room with a door for a fifth bedroom, office, or media room. Pre-listing inspection available. Community pool, spa, gym, and party room; the HOA maintains the roof and exterior. Buyer to verify all information including square footage, bed and bath count, room use, permits, HOA dues, and special assessments prior to close of escrow.

1360 Santa Victoria Rd Unit 2, Chula Vista

$550,000

3 Beds ⋅ 2 Baths ⋅ 260018391 MLS ⋅ ACTIVE Status ⋅ Mer Soleil At Otay Ranch BLDG.

Short Sale : Welcome to Unit 2336 at 1890 Chambery Pl, Otay Ranch, Chula Vista! Elevate your lifestyle in this stunning top-floor condominium featuring 3 spacious bedrooms and 2 stylish bathrooms, offering 1,315 sq ft of contemporary comfort. Step inside to an open layout with soaring vaulted ceilings that flood the space with natural light. The sleek laminate flooring in the common areas creates a fresh atmosphere, while plush new carpeting in the bedrooms provides a cozy retreat. The kitchen is a culinary enthusiast's dream, showcasing well-maintained travertine tiles, abundant cabinet space, and essential appliances, including a stove, refrigerator, dishwasher, and built-in microwave. A stackable washer/dryer combo is conveniently tucked away in a dedicated nook. The spacious master suite serves as a personal sanctuary, complete with a walk-in closet and a private bath. A cozy workspace within the suite is perfect for remote work. The second bedroom offers direct access to a well-appointed shared bathroom with tasteful finishes. Enjoy the benefits of a top-floor unit surrounded by lush trees that enhance privacy. Additional features include a private storage closet and a charming porch for relaxing moments. This vibrant HOA community offers access to a clubhouse, sparkling pool, and a fully equipped gym. With quick access to the 125 and 805 freeways, you’re just minutes from various restaurants, shopping centers, and the bustling Otay Ranch Town Center. Everything you need is right at your fingertips!

1890 Chambery Pl Unit 2336, Chula Vista

$699,000

3 Beds ⋅ 3 Baths ⋅ PTP2605385 MLS ⋅ ACTIVE Status

2024 Foxtrot Loop Unit 4, Chula Vista

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Otay Ranch Homes under $1 million

Newest Otay Ranch Homes under $1 million

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