212 Pacific Street

212 Pacific Street

D

Oceanside, CA 92054

$3,095,000
NEW — 6d on market

Beds

4

Baths

2.5

Sqft

2,600

Year Built

2025

Days on Market

6

Property Type

Townhouse

HOA/mo

N/A

MLS ID

NDP2601776

Description

Panoramic white-water views set the stage at this brand-new modern beach home on Oceanside’s iconic Pacific Street. Just steps from the sand, this is one of two newly completed residences in a striking duplex—each with its own utilities and legal parcel number. Don’t miss the rare opportunity to purchase one or both homes and own the entire building, offering the flexibility for investment or multigenerational living (Other address is 214 S Pacific St MLS # NDP2507465). This 4-bedroom + bonus room/office, 2.5-bath home offers 2,600 sq ft of light-filled space with clean modern finishes throughout. The open-concept main living area flows directly to a spacious ocean-facing deck—perfect for dining al fresco, watching surfers skim the waves, and taking in the unforgettable sunsets. The oversized primary suite includes a retreat area, walk-in closet, and private balcony. Additional highlights include paid off solar included, 1-car garage plus tandem covered parking, ductless A/C throughout, and a west facing ground level patio, with ocean views of course! Enjoy effortless access to the beach right across the street, bring your surfboards and boogie boards! Ideally located just two blocks to the Oceanside Pier and within walking distance to the city's best restaurants, rooftop bars, cafes, and the weekly farmers market. With prime beach access and short-term rental potential, this property offers both an exceptional lifestyle and investment opportunity. Own a piece of the coast on one of Southern California’s most desirable beachside streets.

Mortgage Calculator

Est. Monthly Payment

$19,648

Principal & Interest$15,650
Property Tax$3,095
Insurance$903
%($619,000)
%

Investment Score

0D
Est. Monthly Rent

Market Rent Estimate

$6,785
Monthly Cashflow

Rent − PITI − HOA

$-12,863
Full Cashflow

Incl. vacancy, PM, maint, capex

$-17,003

Mortgage (P+I)
$15,650
Cap Rate
-0.52%
Cash-on-Cash
-24.94%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.43
Break-even Rent
$19,648

NOI (Annual)
$-16,233
Price-to-Rent

Lower = better for investors

38.0

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

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