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2309 Saratoga
1 / 20

2309 Saratoga

D

Oceanside, CA 92054

$969,000

Soft Appraisal Value: $960,400 · 0.9% above estimate

Beds

3

Baths

2

Sqft

1,066

Year Built

1963

Days on Market

39

Property Type

Single Family

HOA/mo

N/A

MLS ID

260007731SD

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

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About This Property

This beautifully updated 3-bedroom, 2-bathroom mid-century ranch offers modern coastal living on a sprawling corner lot. The turnkey interior features a contemporary chef’s kitchen with quartz countertops, stainless steel appliances, fully remodeled bathrooms, and dual-pane windows. Outside, the expansive fenced backyard provides a private retreat, complemented by an oversized 2-car garage and rare RV/toy parking access. Located in a quiet neighborhood with no HOA or Mello-Roos. The home has been thoughtfully updated with fresh paint, updated lighting, and a modern backsplash, creating a clean and cohesive feel throughout. Ideally located just minutes from Goat Hill Golf Club, downtown Oceanside, beaches, and some of the country's best dining (including Michelin-recognized Valle), this home offers both style and lifestyle.

Mortgage Calculator

Est. Monthly Payment

$6,151

Principal & Interest$4,900
Property Tax$969
Insurance$283
%($193,800)
%

Location

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Investment Score

21D
Est. Monthly Rent
$3,806
Monthly Cashflow

Rent − PITIA

$-2,346
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,029

Mortgage (P+I)
$4,900
Cap Rate
1.08%
Cash-on-Cash
-24.95%
DSCR

Need ≥ 1.25 for DSCR loan

0.62
Break-even Rent
$9,038

NOI (Annual)
$10,453
Price-to-Rent

Lower = better for investors

21.2

* 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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