3176 Isabella Drive

3176 Isabella Drive

D

Oceanside, CA 92056

$675,000
NEW — 5d on market

Soft Appraisal Value: $666,600 · 1.3% above estimate

Beds

2

Baths

2

Sqft

1,026

Year Built

1973

Days on Market

5

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2602542

Description

Fully Renovated 55+ Gem in Costa Serena – No HOA, Turnkey & Loaded with Upgrades : Welcome to this beautifully upgraded 2-bedroom, 2-bath home in the highly desirable Costa Serena 55+ community of Oceanside — where modern comfort meets low-maintenance living with no HOA. This thoughtfully expanded home offers approximately 200 additional square feet, featuring a spacious primary suite with a walk-in closet and a fully added second bathroom — creating a rare and highly functional layout for the neighborhood. Nearly every inch of this home has been improved. Enjoy peace of mind with major system upgrades including a new roof, new electrical panel, new furnace, new air conditioning system, full home re-pipe, new dual-pane windows, new garage door, new front door, and new gutters. Step inside to a fresh, modern interior with new luxury vinyl plank flooring throughout, smooth ceilings (popcorn removed), fresh interior and exterior paint, and custom blinds. The home is also equipped with smart technology, including a smart Ecobee thermostat, smart Hunter ceiling fan and lighting, smart doorbell, and MyQ smart garage system — all controllable from your phone. The upgraded kitchen and laundry area include a new Maytag washer and dryer, adding convenience and efficiency to everyday living. Outside, the property continues to impress with artificial turf in both the front and back yards, a concrete driveway, retaining wall, backyard patio, and a wraparound sidewalk, plus front window tinting for added comfort and privacy. This is a true move-in ready home offering style, substance, and smart living — all in a peaceful Oceanside location just minutes from shopping, dining, and the coast.

Mortgage Calculator

Est. Monthly Payment

$4,285

Principal & Interest$3,413
Property Tax$675
Insurance$197
%($135,000)
%

Investment Score

4D
Est. Monthly Rent
$2,840
Monthly Cashflow

Rent − PITI − HOA

$-1,445
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,661

Mortgage (P+I)
$3,413
Cap Rate
1.34%
Cash-on-Cash
-23.65%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.66
Break-even Rent
$6,296

NOI (Annual)
$9,028
Price-to-Rent

Lower = better for investors

19.8

* 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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