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223 Cottingham Ct

Oceanside, CA 92054

$1,144,000

Soft Appraisal Value: $1,132,600 · 1.0% above estimate

Beds

Baths

2.5

Sqft

1,943

Year Built

1980

Days on Market

133

Property Type

Single Family

HOA/mo

$165

MLS ID

PTP2509011

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

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About This Property

Bright, light-filled home with stunning mountain and valley views. Features a modern kitchen with new countertops and cabinets, remodeled bathrooms, and a spacious backyard perfect for relaxing or entertaining. Ideally located in Oceanside near the beach, shopping, dining, and easy freeway access—this is Southern California living at its best!

Mortgage Calculator

Est. Monthly Payment

$7,427

Principal & Interest$5,785

Property Tax$1,144

Insurance$334

HOA$165

Down Payment

%($228,800)

Interest Rate

Loan Term

Location

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Comparable Properties

5 comps found

This Property

$4,659

Comp Average

$4,357

540 Barnwell Street

3bd / 2ba · 1,430 sqft · Single Family

$919K

Est. $4,789/mo

3263 Roberta Ln

4bd / 2ba · 1,324 sqft · Single Family

$920K

Est. $4,454/mo

128 Frontier Drive

3bd / 2ba · 1,150 sqft · Single Family

$925K

Est. $4,553/mo

2937 Barnwell Street

3bd / 2ba · 1,186 sqft · Single Family

$850K

Est. $3,825/mo

1100 Civic Center Dr

3bd / 2ba · 1,416 sqft · Condo

$925K

Est. $4,163/mo

Comps based on same zip code, similar beds (±1), price range (60-150%).

Investment Score

Est. Monthly Rent

$4,659

Monthly Cashflow

Rent − PITIA

$-2,769

Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,794

Mortgage (P+I)

$5,785

Cap Rate

1.04%

Cash-on-Cash

-25.14%

DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.63

Break-even Rent

$10,884

NOI (Annual)

$11,893

Price-to-Rent

Lower = better for investors

20.5

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

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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