3638 Via Bernardo
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3638 Via Bernardo

D

Oceanside, CA 92056

$1,145,000
NEW — 4d

Soft Appraisal Value: $1,129,200 · 1.4% above estimate

Beds

5

Baths

3.5

Sqft

2,585

Year Built

1990

Days on Market

4

Property Type

Single Family

HOA/mo

$230

MLS ID

NDP2604836

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

Virtual Tour

About This Property

Welcome to this beautiful home located in the highly desirable communities of Ocean Hills and Terra Mar. Step inside to soaring ceilings and abundant natural light that fill the spacious living areas, while a skylight brightens the upstairs hallway and enhances the home’s open and airy feel. Freshly repainted interiors create a warm and inviting atmosphere throughout. The family room features a cozy fireplace and a wet bar, offering the perfect setting for relaxing or entertaining. Elegant French doors open to a private, fenced, low-maintenance backyard with fresh new grass, creating an ideal outdoor retreat. The backyard features fruit trees, a charming herb garden, and a side-yard succulent and flower garden that add beauty and character to the outdoor space. Enjoy the fragrance and charm of blooming roses lining the front entryway. All five bedrooms are located upstairs, providing flexibility for guest rooms, a home office, workout space, or playroom. The spacious primary suite opens to a generous private balcony, perfect for enjoying your morning coffee or unwinding with a glass of wine in the evening. The suite also includes a walk-in closet and an additional nook ideal for a vanity or desk area. A dedicated upstairs laundry room includes the washer and dryer for added convenience. Additional highlights include central A/C, a 2-car attached garage with 240V outlet for EV charger and Carbon water softener, and leased solar for energy efficiency. Ideally located just off Cannon Road with convenient access to schools, shopping, dining, parks, beaches and hiking trails. Residents of Terra Mar enjoy outstanding community amenities including parks, playgrounds, clubhouse, pool, spa, and barbecue areas. This exceptional home offers the perfect blend of comfort, functionality, and coastal lifestyle living.

Mortgage Calculator

Est. Monthly Payment

$7,499

Principal & Interest$5,790
Property Tax$1,145
Insurance$334
HOA$230
%($229,000)
%

Location

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Investment Score

15D
Est. Monthly Rent
$4,912
Monthly Cashflow

Rent − PITIA

$-2,587
Full Cashflow

Incl. vacancy, PM, maint, capex

$-4,671

Mortgage (P+I)
$5,790
Cap Rate
1.17%
Cash-on-Cash
-24.48%
DSCR

Need ≥ 1.25 for DSCR loan

0.66
Break-even Rent
$10,978

NOI (Annual)
$13,429
Price-to-Rent

Lower = better for investors

19.4

* 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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