3278 San Tomas

3278 San Tomas

D

Oceanside, CA 92056

$1,135,000
NEW — 5d on market

Soft Appraisal Value: $1,118,300 · 1.5% above estimate

Beds

4

Baths

3

Sqft

2,350

Year Built

1989

Days on Market

5

Property Type

Single Family

HOA/mo

$90

MLS ID

NDP2602768

Description

This home features a reimagined open-concept layout created by removing three walls between the kitchen, dining, and family room adding approximately 60 square feet and creating a bright, seamless great room ideal for everyday living and entertaining. The centerpiece kitchen offers a walk-around island with Bosch cooktop, breakfast bar seating, and rich walnut cabinetry with pull-out drawers, roll-outs, and lazy Susan. Chiseled-edge granite counters, stacked stone backsplash, and stainless steel Bosch and KitchenAid appliances complete the space. Scraped walnut engineered hardwood floors, crown molding, baseboards, skylights, and custom lighting enhance the light-filled interior. The family room includes built-in BOSE surround sound. The primary suite features a fireplace, dual vanities, soaking tub, separate shower, and walk-in closet. A Jack-and-Jill bath connects two bedrooms (one converted to a custom closet), plus a downstairs bedroom and full bath offer flexible living. Unique touches include a Travertine mosaic staircase, custom handrails, and numerous upgrades throughout—dual-pane windows, plantation shutters, A/C, whole-house fan and more. Outdoor spaces feature pebble paving in the front courtyard and backyard, tropical landscaping, and a gated entry. The garage offers wall-to-wall built-in storage cabinets. Located in Rancho Del Oro’s Villa Trinidad community with nearby park and tot lot, just minutes to shopping, dining, and Oceanside beaches.

Mortgage Calculator

Est. Monthly Payment

$7,295

Principal & Interest$5,739
Property Tax$1,135
Insurance$331
HOA$90
%($227,000)
%

Investment Score

8D
Est. Monthly Rent
$6,107
Monthly Cashflow

Rent − PITI − HOA

$-1,188
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,539

Mortgage (P+I)
$5,739
Cap Rate
2.33%
Cash-on-Cash
-18.71%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.84
Break-even Rent
$10,703

NOI (Annual)
$26,407
Price-to-Rent

Lower = better for investors

15.5

* 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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