3278 San Tomas
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3278 San Tomas

C

Oceanside, CA 92056

$1,139,000

Soft Appraisal Value: $1,119,500 · 1.7% above estimate

Beds

4

Baths

3

Sqft

2,350

Year Built

1989

Days on Market

96

Property Type

Single Family

HOA/mo

$90

MLS ID

NDP2602768

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

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About This Property

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. Recent upgrades include new roofing underlayment, new skylights and re routing of water lines. 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

$7,321

Principal & Interest$5,759
Property Tax$1,139
Insurance$332
HOA$90
%($227,800)
%

Location

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Investment Score

17D
Est. Monthly Rent
$4,789
Monthly Cashflow

Rent − PITIA

$-2,531
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,582

Mortgage (P+I)
$5,759
Cap Rate
1.24%
Cash-on-Cash
-24.14%
DSCR

Need ≥ 1.25 for DSCR loan

0.65
Break-even Rent
$10,740

NOI (Annual)
$14,128
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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