
3614 Harvard Drive #B
Btop 30%Oceanside, CA 92056Neighborhood: Mira Costa
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 →
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
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.
Comparable Properties
5 comps foundThis Property
$3,125
Comp Average
$3,151
3565 Paseo De Los Californianos
2bd / 2ba · 1,093 sqft · Condo
$530K
Est. $3,045/mo
3555 Cameo Drive
2bd / 2ba · 1,008 sqft · Condo
$585K
Est. $3,154/mo
3511 Cameo Drive
2bd / 2ba · 1,008 sqft · Condo
$594K
Est. $3,178/mo
3535 Cameo Drive
2bd / 2ba · 1,008 sqft · Condo
$595K
Est. $3,178/mo
3355 Genoa Way
2bd / 2ba · 1,334 sqft · Condo
$735K
Est. $3,202/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules
Investment Score
13 leases of 1–3 bed condos & townhomes within 2 mi · $2,803–$3,507
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,432/mo short at 20% down; 82% down or +$3,158/mo rent closes it.
- Break-even price
- $251,497
- Break-even rent
- $6,283/mo
- Cashflow at 35% down
- −$1,840/mo
- Down payment to break even
- 82%
- Rate to break even
- Not reachable
56% under asking
$3,158/mo above the estimate
$465,760 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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