3621 Vista Campana #46
Atop 10%Oceanside, CA 92057Neighborhood: Oceana
1 licensed short-term rental within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$2,246/mo full cashflow at 20% down, 7.36% rate.
Works at $306,043 (49% under asking), or at 75% down.
Rent $3,767/mo from 15 leases of 1–3 bed houses within 2 mi ($3,878–$4,561).
Beds
2
Baths
2
Sqft
1,635
Year Built
1967
Days on Market
48
Property Type
Single Family
HOA/mo
$562
MLS ID
NDP2608959
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Welcome to 3621 Vista Campana S #46 in Oceanside’s desirable Oceana 55+ community! This immaculate and spacious 2-bedroom, 2-bathroom home offers approximately 1,635 square feet of comfortable living space, thoughtfully designed with room to live and entertain. In addition to the two bedrooms, the home features a versatile den and a dedicated office, providing plenty of flexibility for guests, hobbies, or working from home. The spacious interior flows seamlessly to a large outdoor patio, creating an inviting space for relaxing, entertaining, and enjoying the beautiful Southern California lifestyle. A 2-car garage provides convenient parking and additional storage. Enjoy the amenities of the Oceana community, including the community center, pool, jacuzzi and pickleball courts. The HOA includes water, trash, sewer, landscaping, and basic cable, providing added convenience and value. With its generous floor plan, multiple flexible living spaces, large patio, and excellent community amenities, this home offers a wonderful opportunity to enjoy comfortable living in an established 55+ Oceanside community.
Mortgage Calculator
Est. Monthly Payment
$4,647
Location
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Zoned Schools
Elementary
Pablo Tac School of the Arts · 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
$3,767
Comp Average
$3,656
1491 Puritan Way
3bd / 2ba · 1,680 sqft · Single Family
$540K
Est. $3,945/mo
3808 Vista Campana
2bd / 2ba · 1,347 sqft · Single Family
$499K
Est. $3,458/mo
3808 Vista Campana
2bd / 2ba · 1,432 sqft · Single Family
$599K
Est. $3,629/mo
3902 Vista Campana
2bd / 2ba · 1,527 sqft · Single Family
$599K
Est. $3,561/mo
3747 Vista Campana
2bd / 2ba · 1,600 sqft · Single Family
$625K
Est. $3,685/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
15 leases of 1–3 bed houses within 2 mi · $3,878–$4,561
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,246/mo short at 20% down; 75% down or +$2,917/mo rent closes it.
- Break-even price
- $306,043
- Break-even rent
- $6,684/mo
- Cashflow at 35% down
- −$1,625/mo
- Down payment to break even
- 75%
- Rate to break even
- Not reachable
49% under asking
$2,917/mo above the estimate
$449,925 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.36% 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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