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221 Stage Coach Road

Atop 10%

Oceanside, CA 92057Neighborhood: Oceana

$525,000

STR closed · inland Oceanside

2 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$1,868/mo full cashflow at 20% down, 7.36% rate.

Works at $280,569 (47% under asking), or at 72% down.

Rent $3,342/mo from 8 leases of 2–4 bed condos & townhomes within 1 mi ($3,033–$3,535).

Beds

Baths

Sqft

1,486

Year Built

1975

Days on Market

Property Type

Condo

HOA/mo

$429

MLS ID

NDP2607233

This property is in Oceanside (92057). Browse neighborhood analytics →

Virtual Tour

About This Property

Price reduced! Truly A Must See!! Upgrades through-out this unit with newer paint, newer appliances and newly remodels in kitchen, floor and bathrooms! The kitchen is open , bright and very welcoming with huge pantry! The bathrooms are beautiful! Greenbelt at front door feels private where you will enjoy views of Mission San Luis Rey! This location feels like you are out in the country, even though you're minutes away from everything. Very attractive nearby new community lifted up the environment well. Boasting breathtaking westerly views over the San Luis Rey Valley, this rare 3-bedroom, 2-bathroom home offers a blend of comfort, style, and convenience, making it the perfect starter home or coastal retreat.

Mortgage Calculator

Est. Monthly Payment

$4,004

Principal & Interest$2,897

Property Tax$525

Insurance$153

HOA$429

Down Payment

%($105,000)

Interest Rate

Loan Term

Location

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Zoned Schools

Elementary
Pablo Tac School of the Arts · grades K-5 · Oceanside Unified
Middle
Martin Luther King Jr. Middle · grades 6-8 · Oceanside Unified
High
El Camino 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 found

This Property

$3,342

Comp Average

$3,354

5665 Tumbleweed Way

3bd / 2.5ba · 1,474 sqft · Townhouse

$699K

Est. $3,534/mo

5533 Old Ranch Rd

3bd / 2.5ba · 1,365 sqft · Condo

$629K

Est. $3,283/mo

375 Summer Breeze Way

3bd / 2.5ba · 1,408 sqft · Condo

$716K

Est. $3,527/mo

1469 Rancho Rose Way

3bd / 2.5ba · 1,365 sqft · Condo

$679K

Est. $3,106/mo

255 Larkspur

3bd / 2.5ba · 1,408 sqft · Condo

$770K

Est. $3,318/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

61A

Est. Monthly Rent

$3,342

8 leases of 2–4 bed condos & townhomes within 1 mi · $3,033–$3,535

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$662

Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,868

What would make this work?

$1,868/mo short at 20% down; 72% down or +$2,426/mo rent closes it.

Break-even price: $280,569
Break-even rent: $5,768/mo
Cashflow at 35% down: −$1,325/mo
Down payment to break even: 72%
Rate to break even: Not reachable

Mortgage (P+I)

$2,897

Cap Rate

2.73%

Cash-on-Cash

-21.35%

DSCR

Need ≥ 1.25 for DSCR loan

0.83

NOI (Annual)

$14,351

Price-to-Rent

Lower = better for investors

13.1

* Modelled at 20% down, 7.36% 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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ACashflow−$1,868/mo