3142 Calle Osuna
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3142 Calle Osuna

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Oceanside, CA 92056Neighborhood: Mira Costa

$685,000
NEW — 0d
STR closed · inland Oceanside

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$2,781/mo full cashflow at 20% down, 7.36% rate.

Works at $321,063 (53% under asking), or at 79% down.

Rent $3,187/mo from 13 leases of 1–3 bed condos & townhomes within 2 mi ($3,027–$3,651).

Beds

2

Baths

2

Sqft

1,277

Year Built

1973

Days on Market

0

Property Type

Townhouse

HOA/mo

N/A

MLS ID

NDP2609790

This property is in Oceanside (92056). View neighborhood stats →

Virtual Tour

About This Property

A RARE FIND IN COSTA SERENA! Discover a truly distinctive home that stands apart from the typical floor plans found in this desirable Oceanside 55+ community. Offering approximately 1,277 SQ. FT., this spacious 2-bedroom, 2-bathroom residence features an unusually generous layout, VAULTED CEILINGS, and exceptional indoor-outdoor living. A major highlight is the CITY-PERMITTED 450 SQ. FT. ADDITION, featuring an expanded primary bedroom, private bathroom, and spacious great room. The City of Oceanside final building inspection PASSED on May 22, 2014! The oversized primary suite offers plenty of room to relax, along with its own private bathroom and WALK-IN CLOSET. The second bedroom also has access to its own full bathroom, making it ideal for visiting family and guests. The spacious living room and vaulted ceilings create an open, airy atmosphere rarely found in Costa Serena. The UPGRADED KITCHEN features newer cabinetry, countertops & Appliances. Additional highlights include BRAND-NEW INTERIOR PAINT, BRAND-NEW LAMINATE FLOORING Throughout, central air conditioning, and DOUBLE-PANE Windows. FRENCH DOORS open from the home to a Private Backyard creating a wonderful connection between indoor and outdoor living. Situated on an attractive CORNER LOT, the outdoor spaces are equally inviting. The private backyard features pavers throughout, a retaining wall, and a charming DECORATIVE WATERFALL. The beautifully landscaped front yard offers its own distinctive touch with a decorative rolling-ball water feature and TIMED LIGHTING. Experience the best of OCEANSIDE living, approximately 15 minutes by car from the ocean, with shopping, restaurants, and everyday conveniences nearby. And an added bonus: NO HOA DUES! Come see what makes this COSTA SERENA home so special. Schedule your showing today!

Mortgage Calculator

Est. Monthly Payment

$4,664

Principal & Interest$3,779
Property Tax$685
Insurance$200
%($137,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Christa McAuliffe Elementary · grades K-5 · Oceanside Unified

  • Middle

    Martin Luther King Jr. Middle · grades 6-8 · Oceanside Unified

  • High

    El Camino 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

43B
Est. Monthly Rent
$3,187

13 leases of 1–3 bed condos & townhomes within 2 mi · $3,027–$3,651

Blended 50/50 with the zip's market median ($3,034)

Monthly Cashflow

Rent − PITIA

-$1,477
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,781

What would make this work?

$2,781/mo short at 20% down; 79% down or +$3,612/mo rent closes it.

Break-even price

53% under asking

$321,063
Break-even rent

$3,612/mo above the estimate

$6,799/mo
Cashflow at 35% down
−$2,073/mo
Down payment to break even

$541,150 cash

79%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,779
Cap Rate
2.03%
Cash-on-Cash
-24.36%
DSCR

Need ≥ 1.25 for DSCR loan

0.68

NOI (Annual)
$13,890
Price-to-Rent

Lower = better for investors

17.9

* 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.

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BCashflow−$2,781/mo