1039 Plover Way
Atop 10%Oceanside, CA 92057Neighborhood: San Luis Rey
0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$1,939/mo full cashflow at 20% down, 7.36% rate.
Works at $251,339 (50% under asking), or at 76% down.
Rent $3,124/mo from 8 leases of 1–3 bed houses within 1 mi ($3,163–$3,332).
Beds
2
Baths
2
Sqft
1,050
Year Built
1981
Days on Market
113
Property Type
Single Family
HOA/mo
$485
MLS ID
NDP2606932
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Discover the epitome of relaxed coastal living in the highly sought after, 55 plus age restricted community of Oceana Mission III. This beautifully renovated, turn key home features a bright and breezy 2 bedroom, 2 bathroom floor plan designed for effortless, single level living. Step inside to a spacious, light filled living area highlighted by oversized windows that frame peaceful greenbelt views. Every detail has been updated so you can move right in and start enjoying life from day one. A major highlight is the flexible, additional carport area, which can easily be styled as your own private outdoor patio. Perfect for a morning coffee, relaxing with a book, or evening entertaining. Just outside your door, a scenic walkway leads directly to the community’s exceptional shared spaces. Immerse yourself in a vibrant, social neighborhood with premier amenities, including: * Sparkling Community Pool and Spa * Clubhouse and Recreation Center * HOA Maintained Landscaping Conveniently located minutes from shopping, medical facilities, and just a short drive to the iconic Oceanside beach and pier, this home offers the perfect balance of a quiet neighborhood retreat and coastal accessibility. Experience the care free retirement lifestyle you have been looking for.
Mortgage Calculator
Est. Monthly Payment
$3,923
Location
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Zoned Schools
Elementary
Ivey Ranch Elementary · grades K-5 · Oceanside Unified
Middle
Martin Luther King Jr. Middle · grades 6-8 · Oceanside Unified
High
El Camino High · grades 9-12 · Oceanside Unified
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
5 comps foundThis Property
$3,124
Comp Average
$3,182
3572 Bartlett Avenue
2bd / 1.5ba · 1,046 sqft · Single Family
$445K
Est. $3,297/mo
3544 Bartlett Avenue
2bd / 2ba · 1,046 sqft · Single Family
$475K
Est. $3,323/mo
3615 Vista Bella
2bd / 2ba · 1,052 sqft · Single Family
$489K
Est. $3,242/mo
3873 Bay Leaf Way
2bd / 2ba · 1,064 sqft · Single Family
$539K
Est. $3,051/mo
4362 Dowitcher Way
2bd / 2ba · 1,056 sqft · Single Family
$539K
Est. $2,997/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules
Investment Score
8 leases of 1–3 bed houses within 1 mi · $3,163–$3,332
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,939/mo short at 20% down; 76% down or +$2,518/mo rent closes it.
- Break-even price
- $251,339
- Break-even rent
- $5,642/mo
- Cashflow at 35% down
- −$1,416/mo
- Down payment to break even
- 76%
- Rate to break even
- Not reachable
50% under asking
$2,518/mo above the estimate
$383,800 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.36% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.
Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.
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