1504 Valencia Street
Ctop 80%Oceanside, CA 92054Neighborhood: Fire Mountain
This parcel holds a short-term rental permit: whole home. It doesn’t transfer: a buyer applies for their own.
12 licensed short-term rentals within ½ mile (12 whole home), from the cities' license and permit lists of Nov 5, 2026.
Pass at asking: -$7,495/mo full cashflow at 20% down, 7.49% rate.
Works at $527,266 (65% under asking), or at 92% down.
Rent $5,282/mo from 11 leases of 2–4 bed houses within 1 mi ($4,888–$5,485).
Beds
3
Baths
2
Sqft
1,414
Year Built
1957
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
NDP2610024
This property is in Oceanside (92054). View neighborhood stats →
About This Property
Gorgeous mid-century modern home nestled in the heart of Fire Mountain, one of South Oceanside’s most desirable neighborhoods. Just minutes from the beach and downtown, this three-bedroom, two-bath residence blends mid-century character with modern luxury. Enhanced with a beautifully designed primary suite, it features light-filled, open-concept living that flows effortlessly to expansive decks and lush gardens. Warm wood accents, designer finishes, and clean architectural lines create an inviting atmosphere. Enjoy evenings by the fire pit or quiet mornings surrounded by greenery and coastal breezes. The property also offers exciting future potential, including the possibility of a second story or rooftop view deck that could capture ocean views. Truly special, modern coastal living at its finest.
Mortgage Calculator
Est. Monthly Payment
$10,313
Location
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Zoned Schools
Elementary
Palmquist Elementary · grades K-5 · Oceanside Unified
Middle
Lincoln Middle · grades 6-8 · Oceanside Unified
High
Oceanside 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
$5,282
Comp Average
$4,602
133 Cregar Street
3bd / 2ba · 1,456 sqft · Single Family
$949K
Est. $4,318/mo
2821 Macdonald
3bd / 2ba · 1,196 sqft · Single Family
$985K
Est. $4,180/mo
913 Vine Street
3bd / 2.5ba · 1,460 sqft · Single Family
$1.10M
Est. $4,871/mo
403 Horne Street
3bd / 2ba · 1,519 sqft · Single Family
$1.75M
Est. $4,850/mo
309 Clementine Street
3bd / 2ba · 1,430 sqft · Single Family
$2.25M
Est. $4,793/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
11 leases of 2–4 bed houses within 1 mi · $4,888–$5,485
Blended 50/50 with the zip's market median ($5,324)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$7,495/mo short at 20% down; 92% down or +$9,734/mo rent closes it.
- Break-even price
- $527,266
- Break-even rent
- $15,016/mo
- Cashflow at 35% down
- −$5,924/mo
- Down payment to break even
- 92%
- Rate to break even
- Not reachable
65% under asking
$9,734/mo above the estimate
$1,379,080 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.49% 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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