1806 Stewart St Oceanside

1806 Stewart St Oceanside

D

, CA 92054

$1,550,000

Beds

4

Baths

3

Sqft

2,070

Year Built

1964

Days on Market

12

Property Type

Single Family

HOA/mo

N/A

MLS ID

260004059SD

Description

"Rare South O Layout with Private Upstairs Retreat: Four Bedrooms, Two Car Garage… Minutes to the Sand!" WHAT WE LOVE: South Oceanside can sometimes come with tradeoffs. Small lot. Street parking. Tight floorplans. Not here. You get real curb appeal with natural grass, mature palm trees, fresh mulch, a full driveway, and an attached two car garage, which is rare this close to the coast. There’s real separation from the street, not a front door opening straight to the sidewalk. Inside, it’s clean, refreshed, and ready. Fresh interior paint. Brand new carpet throughout the stairway and entire upstairs. Dual pane divided light windows bring in natural light while keeping things efficient and quiet. But the real story is the layout. Three bedrooms downstairs offer flexibility for guests, office space, or multi generational living. A living room with custom fireplace anchors the home, while defined kitchen and dining areas allow everyone to gather without being stacked on top of each other. Upstairs is a true primary retreat… and not just a bedroom. Private bathroom. Dedicated family room. Wet bar. An entire level designed for separation, quiet, and reset. Morning coffee upstairs. Late night wind down without disrupting the rest of the house. Work from home from a space you actually value. Out back, brand new sod and full fencing create a private, usable yard. Not decorative. Not theoretical. Real space to host, play, relax, or enjoy coastal evenings. Coastal living with breathing room. Space. Privacy. Parking. Layout. All in South O. No compromise required. WHAT WE LOVE: CONT… South Oceanside continues to evolve into one of North County’s most dynamic coastal neighborhoods. Tucked west of the 5 and just south of downtown Oceanside, this pocket offers walkability to beaches, Coast Highway dining, coffee shops, and the steady energy of a community on the rise. The location puts you minutes from the sand, the Oceanside Pier, and the growing collection of restaurants, breweries, and boutiques that have reshaped the area over the last several years. It’s coastal access without the congestion of more southerly beach towns. Beyond lifestyle, this property offers practical advantages that are increasingly difficult to find: The attached two car garage and full driveway provide off street parking, a premium feature this close to the coast. The lot configuration allows for both front yard presence and backyard usability, offering flexibility for entertaining, recreation, or future personalization. The upstairs configuration introduces optionality that many buyers seek but rarely find at this price point and location. The separation between levels creates flexibility for evolving needs, whether accommodating guests, establishing a dedicated work environment, or simply creating distinct zones within the home. With continued redevelopment throughout Oceanside, properties that combine coastal proximity, usable lot space, and functional square footage represent the potential for a compelling long-term hold. A rare blend of location, layout, and livability… positioned in one of coastal North County’s favorite communities.

Mortgage Calculator

Est. Monthly Payment

$9,840

Principal & Interest$7,838
Property Tax$1,550
Insurance$452
%($310,000)
%

Investment Score

3D
Est. Monthly Rent

Market Rent Estimate

$5,280
Monthly Cashflow

Rent − PITI − HOA

$-4,560
Full Cashflow

Incl. vacancy, PM, maint, capex

$-7,066

Mortgage (P+I)
$7,838
Cap Rate
0.60%
Cash-on-Cash
-17.65%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.67
Break-even Rent
$9,840

NOI (Annual)
$9,263
Price-to-Rent

Lower = better for investors

24.5

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

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