3614 Harvard Drive #B
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3614 Harvard Drive #B

Btop 30%

Oceanside, CA 92056Neighborhood: Mira Costa

$568,000
STR closed · inland Oceanside

4 licensed short-term rentals within ½ mile (4 whole home), from the cities' license and permit lists of Nov 10, 2026.

Pass at asking: -$2,432/mo full cashflow at 20% down, 7.43% rate.

Works at $251,497 (56% under asking), or at 82% down.

Rent $3,125/mo from 13 leases of 1–3 bed condos & townhomes within 2 mi ($2,803–$3,507).

Beds

2

Baths

1.5

Sqft

1,178

Year Built

1966

Days on Market

95

Property Type

Townhouse

HOA/mo

$475

MLS ID

NDP2607423

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

Virtual Tour

About This Property

Located just minutes from Oceanside’s beaches and Camp Pendleton, this thoughtfully updated townhome offers a rare combination of coastal living, everyday convenience, and three private outdoor spaces of your own. Whether you’re heading to work, spending the afternoon by the ocean, or meeting friends for dinner, you’ll appreciate a location that keeps everything within easy reach while still providing a peaceful place to come home to. Inside, the bright and welcoming floor plan is designed for comfortable daily living. Fresh updates throughout mean you can move in and begin enjoying the home right away instead of planning your next renovation. Upstairs, both bedrooms create a quiet retreat away from the main living areas, offering added privacy for family members, guests, or a dedicated home office. The loft area is perfect for home office, entertainment area, or home gym. The feature you’re likely to remember most is the outdoor living. Two private ground-level patios and a southwest-facing upper deck give you three distinct spaces to enjoy Southern California’s year-round climate. Start the morning with coffee in the coastal breeze, host friends for a relaxed weekend barbecue, create a container garden, or unwind on the deck as the afternoon light begins to soften. Few homes offer this much private outdoor flexibility without the upkeep of a traditional yard. Everyday living is equally convenient. The detached garage provides secure parking along with room for bikes, surfboards, golf clubs, seasonal storage, or the extra gear that comes with an active coastal lifestyle. On warm afternoons, spend your time at the community pool instead of maintaining a yard. Whether you’re purchasing your first home, looking for a comfortable place to downsize, or searching for a move-in-ready coastal retreat, 3614 Harvard Drive Unit B stands out for its location, easy-care lifestyle, and three private outdoor spaces. If you’ve been waiting for a home that gives you more ways to enjoy life outside and less to maintain, this one deserves a place at the top of your list.

Mortgage Calculator

Est. Monthly Payment

$4,364

Principal & Interest$3,155
Property Tax$568
Insurance$166
HOA$475
%($113,600)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Christa McAuliffe 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.

Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules

Investment Score

44B
Est. Monthly Rent
$3,125

13 leases of 1–3 bed condos & townhomes within 2 mi · $2,803–$3,507

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,239
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,432

What would make this work?

$2,432/mo short at 20% down; 82% down or +$3,158/mo rent closes it.

Break-even price

56% under asking

$251,497
Break-even rent

$3,158/mo above the estimate

$6,283/mo
Cashflow at 35% down
−$1,840/mo
Down payment to break even

$465,760 cash

82%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,155
Cap Rate
1.86%
Cash-on-Cash
-25.69%
DSCR

Need ≥ 1.25 for DSCR loan

0.72

NOI (Annual)
$10,562
Price-to-Rent

Lower = better for investors

15.1

* Modelled at 20% down, 7.43% 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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BCashflow−$2,432/mo