1510 Surrey Court
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1510 Surrey Court

Ctop 80%

Oceanside, CA 92057Neighborhood: Guajome

$950,000
NEW — 1d
STR closed · inland Oceanside

1 licensed short-term rental within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$4,098/mo full cashflow at 20% down, 7.36% rate.

Works at $413,763 (56% under asking), or at 83% down.

Rent $4,107/mo from 18 leases of 2–4 bed houses within 2 mi ($4,177–$4,850).

Beds

3

Baths

2

Sqft

1,941

Year Built

1978

Days on Market

1

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2610111

This property is in Oceanside (92057). Browse neighborhood analytics →

Virtual Tour

About This Property

Nearly half an acre of possibilities! Perched on an elevated 20,993 sq. ft. lot at the end of a cul-de-sac, this charming Spanish-style, single-level home offers beautiful views, a spacious setting, and a unique opportunity in the highly sought-after Jefferies Ranch neighborhood. Inside, discover spacious living areas accented by classic architectural arches, timeless character, and a majestic fireplace that creates a warm and inviting focal point. The open kitchen provides an ideal setting for gathering and entertaining, while the spacious primary suite offers direct access to the backyard for effortless indoor-outdoor living. Additional features: 3 Car Garage, Fenced yard, A/C, updates and new paint throughout. Low property tax rate w/ No Mello Roos & No HOA! An exceptional opportunity to own this wonderful home on an oversized elevated parcel! The expansive lot offers exciting possibilities to create your own outdoor retreat, envision a pool, or explore the potential for a guest house or ADU, subject to applicable City requirements and approvals. Enjoy the elevated setting and coastal breezes while imagining the possibilities this exceptional property has to offer. An extensive parking area provides room for an RV, boat, bikes, and more. Located within Oceanside's Equestrian Overlay District, with nearby neighborhood horse trails and equestrian opportunities. Buyers to verify all permitted uses and applicable requirements with the City of Oceanside. Just minutes from the 394-acre Guajome Regional Park, enjoy hiking, camping, and outdoor recreation. Nearby bike trails connect you to downtown Oceanside, where you'll find beautiful beaches, the harbor, restaurants, museums, and the vibrant coastal lifestyle. A rare opportunity to enjoy space, versatility, and endless possibilities while staying connected to all that coastal Oceanside has to offer.

Mortgage Calculator

Est. Monthly Payment

$6,468

Principal & Interest$5,241
Property Tax$950
Insurance$277
%($190,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Mission Meadows Elementary · grades K-5 · Vista Unified

  • Middle

    Roosevelt Middle · grades 6-8 · Vista Unified

  • High

    Vista High · grades 9-12 · Vista Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules

Investment Score

26C
Est. Monthly Rent
$4,107

18 leases of 2–4 bed houses within 2 mi · $4,177–$4,850

Blended 50/50 with the zip's market median ($3,786)

Monthly Cashflow

Rent − PITIA

-$2,361
Full Cashflow

Incl. vacancy, PM, maint, capex

-$4,098

What would make this work?

$4,098/mo short at 20% down; 83% down or +$5,322/mo rent closes it.

Break-even price

56% under asking

$413,763
Break-even rent

$5,322/mo above the estimate

$9,429/mo
Cashflow at 35% down
−$3,115/mo
Down payment to break even

$788,500 cash

83%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$5,241
Cap Rate
1.70%
Cash-on-Cash
-25.88%
DSCR

Need ≥ 1.25 for DSCR loan

0.63

NOI (Annual)
$16,189
Price-to-Rent

Lower = better for investors

19.3

* 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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CCashflow−$4,098/mo