1409 Pacific Street
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1409 Pacific Street

C

Oceanside, CA 92054

$6,498,800

Soft Appraisal Value: $6,015,100 · 8.0% above estimate

Beds

9

Baths

4.5

Sqft

3,881

Year Built

1970

Days on Market

299

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2508730

This property is in Oceanside (92054). View neighborhood stats →

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About This Property

Oceanfront Estate on the Sand | 1409 South Pacific Street | Oceanside, California Seller Financing Available for Qualified Buyers Opportunities like this are exceptionally rare. At the time of listing, 1409 South Pacific Street is the only single-family home available directly on the sand in Oceanside. The 1400 block of South Pacific Street is one of Oceanside's most sought-after oceanfront locations. With no homes across the street and only a handful of beachfront residences, the neighborhood offers a quieter, less-traveled setting while remaining just minutes from the harbor, restaurants, shopping, and downtown. Unlike most Southern California beachfront properties, this residence includes a private sandy beach within the parcel boundaries—an extraordinary ownership feature rarely found along the California coast. The private beach becomes a natural extension of the home, creating an outdoor living experience that few properties can offer. With eight bedrooms, an optional ninth bedroom or office, four full bathrooms, a powder room, and three levels of living space, the home is designed to accommodate large gatherings, extended family, and guests without sacrificing comfort or privacy. A portion of the home is currently operated as a successful short-term rental. The current short-term rental permit does not convey with the sale. Buyers are advised to verify permit availability, licensing requirements, and all applicable regulations with the City of Oceanside. Main Level The kitchen, dining area, and great room are all oriented toward the Pacific, allowing the ocean to become the focal point of everyday living. Sliding doors open to an oceanfront deck, creating an effortless transition between indoor and outdoor spaces. This level also includes a guest bedroom, a full bathroom, a powder room, and a laundry room. Upper Level The primary suite overlooks the coastline and features a fireplace, private oceanfront deck, and panoramic views of the Pacific. Three additional bedrooms, a flexible office or media room, and a conveniently located laundry closet complete the upper level. Beach Level Created for entertaining and relaxed coastal living, the beach level offers three bedrooms, a full bathroom, an efficiency kitchen, a beach bar with sink and wine refrigerator, a fireplace, and a spacious gathering room that opens directly onto the oceanfront deck. Just beyond the deck, the property's private sandy beach provides a setting unlike virtually any other home in Oceanside. Spend evenings around the fire pit, enjoy the sound of the waves just steps away, or walk down your private stairs for direct access to the public beach and surf. A thoughtfully designed lock-off configuration between the main and upper levels offers flexibility for extended family, guests, or a variety of living arrangements. Nearly 400 square feet of oceanfront decking creates multiple outdoor spaces for dining, relaxing, and taking in the ever-changing coastline, while abundant storage throughout the home enhances everyday functionality. Additional Features * Seller financing available for qualified buyers * Private sandy beach within the parcel boundaries * Oceanfront decks on multiple levels * Lock-off floor plan * Single-car garage * Carport plus additional off-street parking * Negotiable furnishings * No HOA * No special assessments Located just minutes from Oceanside's harbor, restaurants, boutique shopping, and coastal attractions, this home combines one of Southern California's most desirable beachfront settings with the convenience of a vibrant coastal community. Properties like this seldom come to market. Directly on the sand, a private beach within the property's boundaries, one of the largest single-family oceanfront homes in Oceanside, and the only active single-family residence currently available on the sand.

Mortgage Calculator

Est. Monthly Payment

$41,256

Principal & Interest$32,861
Property Tax$6,499
Insurance$1,895
%($1,299,760)
%

Location

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Investment Score

0D
Est. Monthly Rent
$5,992
Monthly Cashflow

Rent − PITIA

$-35,263
Full Cashflow

Incl. vacancy, PM, maint, capex

$-42,057

Mortgage (P+I)
$32,861
Cap Rate
-1.70%
Cash-on-Cash
-38.83%
DSCR

Need ≥ 1.25 for DSCR loan

0.15
Break-even Rent
$60,612

NOI (Annual)
$-110,348
Price-to-Rent

Lower = better for investors

90.4

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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