3640 Mira Pacific Dr
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3640 Mira Pacific Dr

B

Oceanside, CA 92056

$625,000

Soft Appraisal Value: $614,300 · 1.7% above estimate

Beds

2

Baths

1

Sqft

827

Year Built

1972

Days on Market

13

Property Type

Single Family

HOA/mo

$54

MLS ID

NDP2605749

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

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About This Property

Ocean breezes, a peek ocean view, and a prime corner lot make this Costa Serena gem a must-see. This beautifully maintained 2-bedroom, 1-bath home features an upgraded kitchen with granite countertops, newer cabinetry, and attractive laminate flooring. The thoughtfully designed backyard offers drought-tolerant landscaping and plenty of space to relax or entertain. Nestled atop the hills of Oceanside in the desirable 55+ community of Costa Serena, you'll enjoy easy access to the beach, shopping, golf, medical facilities, MiraCosta College, and all the coastal lifestyle amenities North County has to offer. A wonderful opportunity to enjoy affordable coastal living in one of Oceanside's most established senior communities.

Mortgage Calculator

Est. Monthly Payment

$4,022

Principal & Interest$3,160
Property Tax$625
Insurance$182
HOA$54
%($125,000)
%

Location

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Investment Score

35C
Est. Monthly Rent
$2,533
Monthly Cashflow

Rent − PITIA

$-1,488
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,592

Mortgage (P+I)
$3,160
Cap Rate
1.09%
Cash-on-Cash
-24.88%
DSCR

Need ≥ 1.25 for DSCR loan

0.63
Break-even Rent
$5,899

NOI (Annual)
$6,823
Price-to-Rent

Lower = better for investors

20.6

* 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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