317 Valley Heights
Ctop 80%Oceanside, CA 92057Neighborhood: San Luis Rey
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: -$5,939/mo full cashflow at 20% down, 7.36% rate.
Works at $421,969 (65% under asking), or at 92% down.
Rent $4,323/mo from 24 leases of 2–4 bed houses within 1 mi ($4,590–$5,107).
Beds
3
Baths
2.5
Sqft
2,478
Year Built
2007
Days on Market
77
Property Type
Single Family
HOA/mo
$104
MLS ID
260021069SD
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Welcome to this inviting Oceanside home in the desirable San Luis Rey area, offering a bright and spacious layout designed for comfortable Southern California living. The interior features an open feel with abundant natural light, tile flooring, and large glass doors that seamlessly connect the living areas to the private outdoor space. Step outside to enjoy a beautifully landscaped setting with a covered patio and charming wood pergola, creating an ideal space for relaxing, dining, or entertaining. The home also offers a well-appointed kitchen, generous three-car garage, solar panels, a battery for the solar system, and energy-storage improvements. Conveniently located near parks, shopping, dining, schools, and major roadways, this home combines comfort, functionality, and outdoor appeal in a peaceful Oceanside setting.
Mortgage Calculator
Est. Monthly Payment
$8,268
Location
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Zoned Schools
Elementary
Nichols 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.
Comparable Properties
5 comps foundThis Property
$4,323
Comp Average
$4,696
5105 Mendip
4bd / 2.5ba · 2,394 sqft · Single Family
$932K
Est. $4,564/mo
4591 Coronado Drive
4bd / 3ba · 2,522 sqft · Single Family
$1000K
Est. $4,719/mo
316 Spring Canyon Way
4bd / 2.5ba · 2,364 sqft · Single Family
$960K
Est. $4,615/mo
332 Monte
3bd / 2.5ba · 2,291 sqft · Single Family
$998K
Est. $4,499/mo
5762 Old Ranch Rd
4bd / 2.5ba · 2,483 sqft · Single Family
$1.40M
Est. $5,082/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules
Investment Score
24 leases of 2–4 bed houses within 1 mi · $4,590–$5,107
Blended 50/50 with the zip's market median ($3,786)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$5,939/mo short at 20% down; 92% down or +$7,712/mo rent closes it.
- Break-even price
- $421,969
- Break-even rent
- $12,035/mo
- Cashflow at 35% down
- −$4,698/mo
- Down payment to break even
- 92%
- Rate to break even
- Not reachable
65% under asking
$7,712/mo above the estimate
$1,103,080 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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