2821 Macdonald

2821 Macdonald

D

Oceanside, CA 92054

$985,000

Soft Appraisal Value: $978,600 · 0.7% above estimate

Beds

3

Baths

2

Sqft

1,196

Year Built

1966

Days on Market

23

Property Type

Single Family

HOA/mo

N/A

MLS ID

260005323SD

Description

Welcome to this stunningly remodeled gem in the desirable Historic Loma Alta neighborhood of Oceanside — a prime location blending quiet residential charm with easy access to coastal living. This versatile 3-bedroom, 2-bath home has been expertly divided into two fully independent, modern units: a generous 2-bedroom main residence and a chic studio ADU, each with its own private entrance. Seamlessly convertible back to a single-family home if desired, the property offers exceptional flexibility for multi-generational living, extended family visits, or strong investment potential. Both units feature fresh, contemporary upgrades throughout, including sleek new kitchens with modern appliances, beautifully updated bathrooms, luxury flooring, and stylish fixtures. The spacious main house provides an inviting open layout perfect for a couple or small family, while the fully furnished studio is ideal for generating rental income, serving as a guest suite, private office, or in-law quarters. Step outside to your private backyard oasis: a sparkling pool and expansive deck await for year-round relaxation and entertaining under the California sun. This turnkey property is perfectly positioned in vibrant Oceanside, just minutes from pristine beaches, the iconic pier, downtown dining and shopping, scenic Buddy Todd Park with its open fields and recreational amenities, quick I-5 access, and convenient entry to Camp Pendleton’s gates. Enjoy the best of coastal living with surfing, community events, and everyday conveniences right at your doorstep. Schedule your private tour today!

Mortgage Calculator

Est. Monthly Payment

$6,253

Principal & Interest$4,981
Property Tax$985
Insurance$287
%($197,000)
%

Investment Score

5D
Est. Monthly Rent
$4,408
Monthly Cashflow

Rent − PITI − HOA

$-1,845
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,679

Mortgage (P+I)
$4,981
Cap Rate
1.59%
Cash-on-Cash
-22.41%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.70
Break-even Rent
$9,186

NOI (Annual)
$15,616
Price-to-Rent

Lower = better for investors

18.6

* 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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