1639 Mountain View Avenue
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1639 Mountain View Avenue

Ctop 80%

Oceanside, CA 92054Neighborhood: Fire Mountain

$1,350,000
NEW — 0d
STR closed · inland Oceanside

10 licensed short-term rentals within ½ mile (10 whole home), from the cities' license and permit lists of Nov 3, 2026.

Pass at asking: -$6,761/mo full cashflow at 20% down, 7.49% rate.

Works at $473,499 (65% under asking), or at 92% down.

Rent $4,743/mo from 14 leases of houses within 1 mi, size-adjusted ($3,899–$5,400).

Beds

5

Baths

2

Sqft

1,522

Year Built

1967

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

PTP2608005

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

Virtual Tour

About This Property

Tucked behind towering palms and custom wood fencing, this single-level Fire Mountain home feels like a private escape the moment the arched gate closes behind you. A paver courtyard sets a calm first impression, and inside, 4 bedrooms and 2 baths across approximately 1,522 sq ft flow around an open living room anchored by an exposed beam and stacked-stone fireplace. The kitchen is made for gathering, with white shaker cabinetry, seafoam glass tile, a farmhouse sink, gas range, and a quartz waterfall peninsula that opens wide to the deck. The dining room shows off a herringbone wood accent wall, and a dry bar with a dual-zone wine fridge keeps entertaining easy. Both baths are fully remodeled with walk-in showers and quartzite vanities. Out back, the 8,000 sq ft lot offers a composite deck with pergolas and string lights, a fire-table lounge, covered spa, turf lawn, and windowed shed, all framed by bamboo for total privacy. Solar helps keep energy costs low. Paver driveway, two-car garage, and minutes to the coast.

Mortgage Calculator

Est. Monthly Payment

$9,288

Principal & Interest$7,544
Property Tax$1,350
Insurance$394
%($270,000)
%
Loan Term

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.

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

Investment Score

9C
Est. Monthly Rent
$4,743

14 leases of houses within 1 mi, size-adjusted · $3,899–$5,400

Monthly Cashflow

Rent − PITIA

-$4,545
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,761

What would make this work?

$6,761/mo short at 20% down; 92% down or +$8,781/mo rent closes it.

Break-even price

65% under asking

$473,499
Break-even rent

$8,781/mo above the estimate

$13,524/mo
Cashflow at 35% down
−$5,346/mo
Down payment to break even

$1,242,000 cash

92%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,544
Cap Rate
0.91%
Cash-on-Cash
-30.05%
DSCR

Need ≥ 1.25 for DSCR loan

0.51

NOI (Annual)
$12,243
Price-to-Rent

Lower = better for investors

23.7

* 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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CCashflow−$6,761/mo