
1639 Mountain View Avenue
Ctop 80%Oceanside, CA 92054Neighborhood: Fire Mountain
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 →
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.
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Est. Monthly Payment
$9,288
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
$4,743
Comp Average
$5,432

2190 Greenbrier Drive
4bd / 2.5ba · 1,899 sqft · Single Family
$955K
Est. $5,188/mo
3245 Carolyn Dr
4bd / 2ba · 1,912 sqft · Single Family
$991K
Est. $4,796/mo
1431 Kurtz Street
4bd / 2.5ba · 1,656 sqft · Single Family
$1.50M
Est. $5,729/mo
1315 Crestridge Dr.
4bd / 2ba · 1,900 sqft · Single Family
$1.60M
Est. $5,735/mo

1015 Morse St
4bd / 2ba · 1,786 sqft · Single Family
$1.75M
Est. $5,712/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
14 leases of houses within 1 mi, size-adjusted · $3,899–$5,400
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$6,761/mo short at 20% down; 92% down or +$8,781/mo rent closes it.
- Break-even price
- $473,499
- Break-even rent
- $13,524/mo
- Cashflow at 35% down
- −$5,346/mo
- Down payment to break even
- 92%
- Rate to break even
- Not reachable
65% under asking
$8,781/mo above the estimate
$1,242,000 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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