1520 Downs Oceanside

1520 Downs Oceanside

D

, CA 92054

$1,599,900
NEW — 4d on market

Beds

4

Baths

3

Sqft

2,687

Year Built

1979

Days on Market

4

Property Type

Single Family

HOA/mo

N/A

MLS ID

PW26044079

View on MLS

Description

Welcome to Fire Mountain, where style and comfort meet in one of Oceanside’s most sought-after neighborhoods. This beautifully upgraded two-story home is designed for both everyday living and effortless entertaining. Step inside to a sun-filled family room with soaring vaulted ceilings, exposed beams, and a bold stone fireplace framed by custom built-ins. The fully renovated kitchen features quartz countertops, sleek cabinetry, and opens to the dining room, illuminated by a modern chandelier. Entertain with ease in the expansive living room, complete with dual sliding doors and a custom bar with twin beverage refrigerators. A private main-level bedroom with full bath offers flexibility for guests or multigenerational living. Upstairs, the primary suite is a true retreat with its own fireplace and spa-inspired bath featuring dual vanities and a jacuzzi tub. Two additional bedrooms and a full bath complete the upper level. The backyard is a private oasis — relax poolside, soak in the spa, or entertain under mature shade trees on an oversized 10,000+ sq. ft. lot. With an interior laundry room, attached two-car garage, RV parking, and a location minutes from beaches, shopping, and top-rated schools, this home offers the ultimate coastal lifestyle.

Mortgage Calculator

Est. Monthly Payment

$10,157

Principal & Interest$8,090
Property Tax$1,600
Insurance$467
%($319,980)
%

Investment Score

0D
Est. Monthly Rent

Market Rent Estimate

$3,976
Monthly Cashflow

Rent − PITI − HOA

$-6,181
Full Cashflow

Incl. vacancy, PM, maint, capex

$-8,429

Mortgage (P+I)
$8,090
Cap Rate
-0.25%
Cash-on-Cash
-23.18%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.49
Break-even Rent
$10,157

NOI (Annual)
$-4,064
Price-to-Rent

Lower = better for investors

33.5

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

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