2944 Cottingham St
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2944 Cottingham St

B

Oceanside, CA 92054

$999,000
NEW — 1d

Soft Appraisal Value: $984,300 · 1.5% above estimate

Beds

4

Baths

2.5

Sqft

1,943

Year Built

1979

Days on Market

1

Property Type

Single Family

HOA/mo

$160

MLS ID

260014206SD

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

About This Property

Nestled in the sought after Loma Alta community of Oceanside, this beautifully positioned corner lot home offers the perfect blend of coastal lifestyle, neighborhood charm, and future potential. Located just moments from Buddy Todd Park, local beaches, shopping, dining, and all that coastal Oceanside has to offer, the location truly checks every box. Set on an expansive corner lot, the property features an additional triangular section of usable land creating exciting possibilities for added outdoor space, gardening, or potential ADU opportunities. Inside, the home is filled with natural light and enjoys a wonderful sense of openness throughout. On clear days, you can even catch views of the skydivers floating above the coastline, adding to the unique charm and coastal energy of the neighborhood. Additional highlights include solar, helping provide energy efficiency and long term savings while supporting an easy Southern California lifestyle. Residents of the community also enjoy access to the HOA pool and spa, perfect for relaxing after a beach day or soaking in Oceanside’s year round sunshine. Whether you’re looking for your next primary residence, investment opportunity, or a home with room to grow, this Loma Alta gem offers incredible potential in one of Oceanside’s most beloved communities.

Mortgage Calculator

Est. Monthly Payment

$6,502

Principal & Interest$5,051
Property Tax$999
Insurance$291
HOA$160
%($199,800)
%

Location

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Investment Score

38C
Est. Monthly Rent
$5,079
Monthly Cashflow

Rent − PITIA

$-1,422
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,423

Mortgage (P+I)
$5,051
Cap Rate
1.96%
Cash-on-Cash
-20.56%
DSCR

Need ≥ 1.25 for DSCR loan

0.78
Break-even Rent
$9,525

NOI (Annual)
$19,540
Price-to-Rent

Lower = better for investors

16.4

* 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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