3524 Paseo De Los Americanos
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3524 Paseo De Los Americanos #105

D

Oceanside, CA 92056

$445,000
NEW — 1d on market

Soft Appraisal Value: $425,200 · 4.7% above estimate

Beds

1

Baths

1

Sqft

744

Year Built

1989

Days on Market

1

Property Type

Condo

HOA/mo

$537

MLS ID

NDP2603631

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

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About This Property

Tucked inside a gated, tree-lined community that feels more like a hidden retreat than a condo complex, this ground-level 1-bedroom, 1-bath home offers comfort, convenience, and a laid-back coastal lifestyle just minutes from it all. Located in Vista Way Village in Oceanside’s desirable Mira Costa neighborhood, the home features a functional layout with a spacious kitchen, open living area, and a peaceful setting within the community. It’s a space that feels easy to live in from day one, with the added bonus of a private patio—perfect for enjoying your morning coffee or unwinding at the end of the day. Over the years, the home has been thoughtfully updated with new flooring in the kitchen, bathroom, and entry (2020), including luxury vinyl plank, a new shower and tub (2022), fresh carpet in the living room and bedroom (2023), and a new dishwasher (2024). Granite countertops in both the kitchen and bathroom, along with custom blinds throughout (2019), add to the home’s overall comfort and usability. The home also includes an in-unit washer and dryer, adding everyday ease and convenience. Surrounded by mature trees and lush landscaping, the community offers a true neighborhood feel with amenities that make everyday living feel a little more like a getaway. Residents enjoy access to two pools, two spas, a fitness center, tennis and basketball courts, and a clubhouse—all within a controlled-access gated setting. The HOA also includes water and trash, adding extra value and helping simplify monthly expenses. Ideally located near the Vista Way and College Blvd corridor, you’re just minutes from shopping, dining, and everyday essentials, with easy access to Highway 78. Downtown Oceanside and the beach are a short drive away, making it easy to enjoy the best of coastal living whenever you want. A comfortable home in a well-established community, offering a great balance of privacy, amenities, and location in North County.

Mortgage Calculator

Est. Monthly Payment

$3,362

Principal & Interest$2,250
Property Tax$445
Insurance$130
HOA$537
%($89,000)
%

Location

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Investment Score

2D
Est. Monthly Rent
$2,316
Monthly Cashflow

Rent − PITIA

$-1,046
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,950

Mortgage (P+I)
$2,250
Cap Rate
0.81%
Cash-on-Cash
-26.29%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.69
Break-even Rent
$4,848

NOI (Annual)
$3,606
Price-to-Rent

Lower = better for investors

16.0

* 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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