NO HOA OR MELLO ROOS!!! This lovely home is centrally located in Chula Vista, and walking distance to elementary and middle schools, Hilltop Park, shopping, restaurants and the 805 freeway. 4 Bedrooms and 2-1/2 baths, and, yes, a bedroom and full bath on the first floor! Gorgeous leaded glass front door leads you into a living room with a fireplace and a fabulous vaulted ceiling. The beautiful wrought iron handrail adds a touch of elegance. Kitchen is bright and light with a breakfast counter open to your family room, and stainless steel appliances. Yard is private, with a covered patio and several fruit trees. 3 more bedrooms and a bathroom upstairs (with double sinks) complete this lovely home. Priced to sell, don't wait!