276 El Camino Real #151
1 / 20

276 El Camino Real #151

Atop 10%

Oceanside, CA 92058Neighborhood: San Luis Rey

$309,900
STR closed · inland Oceanside

1 licensed short-term rental within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$703/mo full cashflow at 20% down, 7.36% rate.

Works at $217,771 (30% under asking), or at 53% down.

Rent $2,162/mo: zip market median for this bed count.

Beds

2

Baths

2

Sqft

1,536

Year Built

1980

Days on Market

48

Property Type

Mfd/Mobile Home

HOA/mo

N/A

MLS ID

NDP2608964

This property is in Oceanside (92058). Browse neighborhood analytics →

Virtual Tour

About This Property

Picture your morning with sit-down lakefront views, coastal breezes, and a floor plan designed for effortless resort living. This waterfront retreat offers a rare opportunity to secure an incredible location and build instant equity through your own customized updates. Step inside to a spacious living area defined by soaring vaulted ceilings with exposed wood beams, plantation shutters, and floor-to-ceiling windows framing panoramic lake views. The sizeable kitchen comes equipped with a convenient eat-at breakfast counter, full appliance suite (electric flat cooktop, wall oven, microwave, dishwasher, and refrigerator), an adjoining dining area anchored by a beautiful stained-glass chandelier, and a custom built-in hutch with glass-front displays and mirrored backing. The roomy primary suite features mirrored closet doors and an ensuite bathroom complete with dual sinks, a large soaking tub, and a separate walk-in shower. Outside, enjoy an enclosed side porch for year-round indoor-outdoor living, with a fruit-bearing orange tree and charming rose bushes greeting you at the entrance. Additional conveniences include an indoor laundry room with washer/dryer included, an exterior storage shed, and a 2-car covered tandem carport. Offering 2 bedrooms, 2 bathrooms, and 1,536 sq. ft. of single-level living space built in 1980, this home provides the ideal canvas to bring your design vision to life on one of the community’s premier waterfront sites. Live the Resort Lifestyle Year-Round! Located in Laguna Vista Estates, a gated 55+ community, residents have access to a range of amenities and activities, including a pool, spa, pickleball courts, shuffleboard, clubhouse, billiards and ceramics studio, along with social events, movie nights, holiday celebrations and group activities. Approximately 4 miles from the beach, this lakefront setting offers a coastal atmosphere with the added appeal of year-round community amenities.

Mortgage Calculator

Est. Monthly Payment

$2,110

Principal & Interest$1,710
Property Tax$310
Insurance$90
%($61,980)
%
Loan Term

Location

Loading map...

Zoned Schools

  • Elementary

    Louise Foussat Elementary · grades K-5 · Oceanside Unified

  • Middle

    Jefferson Middle · grades 6-8 · Oceanside Unified

  • High

    Oceanside 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.

Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules

Investment Score

79A
Est. Monthly Rent
$2,162

Zip market median for this bed count

Thin data: no closed leases like this one nearby.

Monthly Cashflow

Rent − PITIA

+$52
Full Cashflow

Incl. vacancy, PM, maint, capex

-$703

What would make this work?

$703/mo short at 20% down; 53% down or +$913/mo rent closes it.

Break-even price

30% under asking

$217,771
Break-even rent

$913/mo above the estimate

$3,075/mo
Cashflow at 35% down
−$383/mo
Down payment to break even

$164,247 cash

53%
Rate to break even

at 20% down

2.71%

Mortgage (P+I)
$1,710
Cap Rate
4.32%
Cash-on-Cash
-13.61%
DSCR

Need ≥ 1.25 for DSCR loan

1.02

NOI (Annual)
$13,376
Price-to-Rent

Lower = better for investors

11.9

* 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.

Open Full Calculator
ACashflow−$703/mo