2465 Oxford Avenue Cardiff By The Sea

2465 Oxford Avenue Cardiff By The Sea

Dbottom 20%

Cardiff-by-the-Sea, CA 92007

$2,975,000
NEW — 0d

Pass at asking: -$17,508/mo full cashflow at 20% down, 7.43% rate.

Works at $695,447 (77% under asking); even all cash loses money at asking.

Rent $6,937/mo from 14 leases of 2–4 bed houses within 0.5 mi ($6,675–$8,125).

Beds

3

Baths

2

Sqft

1,488

Year Built

1980

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026575SD

This property is in Cardiff-by-the-Sea (92007). View neighborhood stats →

About This Property

Experience the best of Cardiff-by-the-Sea living in this beautifully remodeled coastal home, ideally located west of I-5 in Cardiff's desirable Walking District. Enjoy breathtaking panoramic ocean views and spectacular sunsets from the spacious upstairs primary suite and private balcony. Thoughtfully redesigned for modern coastal living, this 3-bedroom, 2-bath home features an open-concept floor plan, stunning kitchen with quartz countertops and custom cabinetry, engineered white oak flooring, and beautifully renovated bathrooms. Large sliding glass doors connect the kitchen and living area to an inviting front yard retreat featuring a fire pit, seating areas, recently replaced deck, and new designer concrete pavers--perfect for entertaining and indoor-outdoor living. The lush backyard offers a spacious grassy lawn and peaceful retreat, while a finished flex studio attached to the garage provides versatile space for art, yoga, or a home office. Extensive renovations and ongoing improvements include updated windows and doors, recessed lighting, a hot-water outdoor shower, tankless water heater, mini-split heating and cooling, whole-house water filtration, and a gated driveway. Just a short stroll to the beach, Glen Park, Seaside Market, restaurants, shops, and schools, this exceptional home captures the very best of Cardiff's relaxed coastal lifestyle. -bathrooms. Large sliding glass doors connect the kitchen and living area to an inviting front yard retreat featuring a fire pit, seating areas, recently replaced deck, and new designer concrete pavers--perfect for entertaining and indoor-outdoor living. The lush backyard offers a spacious grassy lawn and peaceful retreat, while a finished flex studio attached to the garage provides versatile space for art, yoga, or a home office. Extensive renovations and ongoing improvements include updated windows and doors, recessed lighting, a hot-water outdoor shower, tankless water heater, mini-split heating and cooling, whole-house water filtration, and a gated driveway. Just a short stroll to the beach, Glen Park, Seaside Market, restaurants, shops, and schools, this exceptional home captures the very best of Cardiff's relaxed coastal lifestyle.Buyer and Buyer's Agent to independently verify all square footage, measurements, permits, and property information.

Mortgage Calculator

Est. Monthly Payment

$20,370

Principal & Interest$16,527
Property Tax$2,975
Insurance$868
%($595,000)
%
Loan Term

Location

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Comparable Properties

2 comps found

This Property

$6,937

vs

Comp Average

$6,696

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

Investment Score

0D
Est. Monthly Rent
$6,937

14 leases of 2–4 bed houses within 0.5 mi · $6,675–$8,125

Monthly Cashflow

Rent − PITIA

-$13,433
Full Cashflow

Incl. vacancy, PM, maint, capex

-$17,508

What would make this work?

$17,508/mo short at 20% down; +$22,738/mo rent closes it.

Break-even price

77% under asking

$695,447
Break-even rent

$22,738/mo above the estimate

$29,675/mo
Cashflow at 35% down
−$14,409/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$16,527
Cap Rate
-0.26%
Cash-on-Cash
-35.31%
DSCR

Need ≥ 1.25 for DSCR loan

0.34

NOI (Annual)
-$7,606
Price-to-Rent

Lower = better for investors

35.7

* Modelled at 20% down, 7.43% 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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DCashflow−$17,508/mo