Otay Ranch Homes under $1.25 million

Our website features the best real estate search for homes, condos, land and foreclosure properties available in Otay Ranch and surrounding areas. It is the only site you will ever need! It is easy-to-use and updated by the official Realtor®’s database every 15 minutes.

You can save searches, and get daily email alerts of new listings, price changes, sold data, and market reports. Our Interactive Map Search allows you to view properties on a map or refine your search by drawing the boundaries around the area you desire.

Curious about what’s happening in your neighborhood? You can create a custom market report to see what’s active, under contract, and sold in your neighborhood!

Considering selling or refinancing your home? Get an INSTANT property valuation now!

Newest Otay Ranch Homes under $1.25 million

$909,000

4 Beds ⋅ 3 Baths ⋅ PTP2607439 MLS ⋅ Active Status

Welcome home to the Village of Montecito in Otay Ranch! On a quiet street, this inviting 4BR/3BA home offers 2,187 sq ft of elegant, comfortable living. A downstairs bedroom and full bath are perfect for guests or extended family. Soaring 9-ft ceilings, custom ceramic tile, recessed lighting and ceiling fans create a bright, welcoming flow. The island chef's kitchen is the heart of the home, with Corian counters, a custom backsplash, Whirlpool stainless appliances and a breakfast bar made for family meals. Upstairs, a cozy loft/TV lounge and office alcove join a convenient laundry room and a luxurious primary retreat with a walk-in closet, soaking tub and glass shower. Paid-off solar, upgraded insulation and a security system offer comfort and peace of mind. Gather in the private courtyard with paver patio and double gates. Finished 2-car garage. Low HOA includes the resort-style Montecito clubhouse, pool and gym. Near parks, schools, Otay Ranch Town Center and freeways.

1240 Pershing Road, Chula Vista

$875,000

4 Beds ⋅ 4 Baths ⋅ 260023923SD MLS ⋅ Active Status

Welcome to this bright 3-story, 4-bedroom, 3.5-bathroom modern condo in the highly sought-after Millenia community. Spanning 1,915 square feet, the ground level features 18-foot vaulted ceilings, an open-concept living and dining layout equipped with a surround sound system, a half bath, and direct access to the 2-car attached garage with EV charging available. The modern kitchen showcases an oversized quartz island, gray subway tile backsplash, ample cabinet storage, and stainless steel smart appliances. Built for efficiency, safety, and convenience, the home comes equipped with fully owned solar panels, Nest smart locks, Nest smart thermostats, a water softening system, dual-zoned air conditioning, and a tankless water heater. The second floor includes a spacious primary suite complete with a dual-vanity bathroom, custom walk-in closet, and private toilet room, along with a secondary bedroom suite, a dedicated office space, and convenient upper-level laundry. On the top floor, you will find two additional bedrooms—one versatile as a bonus family room—paired with a full bath and mountain views. Premium upgrades throughout include custom California closet systems, plantation shutters, smart roller shades, and floating cabinetry. Residents enjoy top-tier community amenities including a pool, spa, fire pits, dog parks, and playgrounds, all just moments from local schools, dining, and shopping options.

2174 Element Way, Chula Vista

$867,000

4 Beds ⋅ 3 Baths ⋅ PTP2607404 MLS ⋅ Coming Soon Status

Peaceful, quite, corner , view, super clean, ready to move in.

2297 Treetop Lane, Chula Vista

$750,000

5 Beds ⋅ 4 Baths ⋅ 260023816SD MLS ⋅ Active Status

If you are looking for an affordable home offering a prime Chula Vista location, generous living space, and access to resort-style community amenities, 1430 Heron Street #3 presents an inviting opportunity in the sought-after Village of Montecito and Aviare community of Chula Vista. Meticulously maintained with true pride of ownership, this home welcomes you with upgraded tile flooring and a thoughtfully designed living spaces. The kitchen features newer appliances, granite countertops, and ample counter and cabinet space, creating a functional and comfortable setting for everyday living and entertaining. With 5 bedrooms and 3.5 bathrooms, the versatile floor plan provides plenty of space for family, guests, a home office, or additional living needs. A 2-car side-by-side garage with direct access to the home and a charming front patio that adds to the home’s curb appeal and livability. Residents of Montecito enjoy access to community pools, parks, and neighborhood amenities, with Saburo Muraoka Elementary School and Grove Park just minutes away. Otay Ranch Town Center is also nearby, providing convenient access to shopping, dining, entertainment, and everyday essentials. Whether you’re looking for room to grow, flexible living space, or a convenient Chula Vista community with desirable amenities, this home offers a great opportunity to enjoy comfortable living in the Village of Montecito. The community is VA and FHA approved, providing additional financing flexibility for qualified buyers.

1430 Heron St Unit 3, Chula Vista

$1,225,000

4 Beds ⋅ 3 Baths ⋅ 260023789SD MLS ⋅ Active Status

Scenic hill views, a spacious backyard, and no rear neighbors set the stage for exceptional outdoor living in Cota Vera. Welcome to 2070 Via Estancia, a move in ready home in Chula Vista’s amenity rich master-planned community. Offering a total of 4 bedrooms and 3 bathrooms, with one bedroom and a full bathroom conveniently located downstairs plus loft area and approximately 2,535 square feet of living space. This newer home offers room to relax, entertain, and enjoy everyday living. Vinyl flooring throughout the downstairs and stairway adds warmth and an inviting finish. The spacious backyard offers a cozy fireplace and low maintenance landscaping that keeps the outdoor space looking polished while giving you more time to enjoy it. Cota Vera’s amenities extend the living experience beyond the home, with Lido Swim & Social offering a resort style community pool, lap lanes, spa, fitness space, and areas to gather. Enjoy Central Square Park’s playground, picnic areas, grassy fields, and outdoor games, along with a dedicated dog park. The community’s WayWell lifestyle program brings neighbors together through events, activities, and shared experiences throughout the year. Discover comfortable living, beautiful views, and a connected community at 2070 Via Estancia.

2070 Via Estancia, Chula Vista

$899,900

4 Beds ⋅ 3 Baths ⋅ SW26212183 MLS ⋅ Active Status

Welcome to Cota Vera at Otay Ranch! Built in 2022, this move-in-ready 4-bedroom, 3-full-bath home combines modern finishes, a flexible floor plan, and low-maintenance living in a vibrant community. Step inside to a bright, open-concept living space filled with natural light. The modern kitchen is the heart of the home, featuring quartz countertops, a large center island, and plenty of space for cooking, entertaining, and everyday life. A downstairs bedroom and full bathroom offer added flexibility for guests, a home office, or multigenerational living. Outside, enjoy a private, low-maintenance backyard with room to relax, entertain, or let the kids and dog play. Even better, the home comes with FULLY PAID SOLAR, helping keep monthly energy costs down. Located just a short stroll from the community pool and parks, Cota Vera offers sidewalks, neighborhood amenities, and plenty of opportunities to enjoy the outdoors. With newer construction, paid solar, a versatile floor plan, and convenient access to shopping and freeways, this home offers the space you need without the maintenance you don't.

1675 Whitmore, Chula Vista

$905,000

4 Beds ⋅ 3 Baths ⋅ NDP2608997 MLS ⋅ Active Status

Best layout in Escaya! Move-in ready 4BD/3BA, 1,950 sq ft two-story in the Village of Escaya! Built in 2020 and freshly updated with brand-new carpet and new paint throughout. Open-concept kitchen and living room with shaker cabinets, quartz countertops, and stainless steel appliances, ideal for everyday living and entertaining. Private, cozy backyard with a pergola for relaxed gatherings. Attached 2-car garage. Enjoy Escaya's resort-style amenities, including the Orchard Club pools, cabanas, and clubhouse, the Harvest Wellness Center, and nearby Escaya Park with pickleball, basketball, sports fields, and play areas. Walkable paseos connect to Otay Ranch trails and the Village Center. Newer construction in one of South County's top master-planned communities. Don't miss it!

991 Camino Aldea, Chula Vista

$1,250,000

4 Beds ⋅ 3 Baths ⋅ PTP2607254 MLS ⋅ Active Status

Welcome to this beautiful house in Windingwalk community. This charming property offers 4 bedrooms and 3 full bathrooms, in 2,496 square feet of thoughtfully designed living space, this home offers a main-level bedroom and full bathroom, perfect for guests or multi-generational living. laundry room also on the first floor, the family room has a fireplace. The remodeled kitchen featuring granite and a large center island, a separate dining room adds flexibility for both casual and formal gatherings. Upstairs retreat to the spacious primary suite with walk in closet and a open space for office or extra living space, two additional bedrooms and a full bathroom. The expansive backyard has been thoughtfully renovated to maximize usable outdoor space making it ideal for entertaining, cooking or just for relaxing. As a resident of Windingwalk, you'll enjoy resort-style amenities including pools, clubhouse's, fitness center, and parks, all within reach of top rated schools, shopping and dining. Don't miss an opportunity to make this stunning house your ideal home forever!

1724 Copper Penny Drive, Chula Vista

$649,900

3 Beds ⋅ 3 Baths ⋅ 260023258SD MLS ⋅ Active Status

Well-maintained and move-in ready 3-bedroom, 2.5-bathroom townhouse in desirable Otay Ranch! This inviting home features an open floor plan with abundant natural light and a spacious, comfortable layout. The first floor offers a bright living area and kitchen with granite countertops and tile flooring. A convenient half bathroom is located downstairs, along with a spacious under-stair storage room featuring brand-new carpet. Upstairs, the spacious primary suite is accompanied by two additional bedrooms and a shared full bathroom. A full-size laundry closet is also conveniently located on the second floor. Luxury vinyl flooring runs throughout most of the second floor, with one bedroom featuring brand-new carpet. Additional features include a two-car attached garage and a private backyard, perfect for relaxing or entertaining. Enjoy a convenient Otay Ranch location close to shopping, restaurants, parks, trails, and freeway access. Top-rated schools make this an excellent place to call home!

1846 Rouge, Chula Vista

$628,900

2 Beds ⋅ 3 Baths ⋅ 260023169SD MLS ⋅ Active Status

This new three-story townhome ready for move- in Nov 2026, delivers modern design ready for any lifestyle. The second floor features an open plan with a Great Room that flows naturally into the dining room and kitchen—all extending to a welcoming deck where indoor and outdoor living blend effortlessly. The third floor is made for rest and relaxation, with a generous owner's suite complete with spa-inspired bath and walk-in closet, plus a second bedroom steps from a full bathroom.

2013 Zirk Ave Unit 6, Chula Vista

$749,900

4 Beds ⋅ 3 Baths ⋅ 260023165SD MLS ⋅ Active Status

This new two-story paired home features a spacious and flexible open-concept floorplan on the first level that combines the kitchen, living and dining areas, with a nearby patio for outdoor entertainment and relaxation. A versatile loft provides a shared living space on the second floor, easily accessible from three bedrooms and the luxe owner’s suite, complete with a full bathroom and walk-in closet. Anden at Escaya is a new community offering brand-new paired homes for sale, coming soon to Chula Vista, CA. The community offers onsite amenities, including a relaxing swimming pool, park, clubhouse and more. Photos or renderings may be of the Model Home and not the actual home.

1020 Fox Street Unit 1, Chula Vista

$550,000

2 Beds ⋅ 2 Baths ⋅ 260023078SD MLS ⋅ Active Status

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

Start Your Search

Based on information from California Regional Multiple Listing Service, Inc. as of . 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.