3661 Harvard Drive
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3661 Harvard Drive

C

Oceanside, CA 92056

$679,000
NEW — 4d

Soft Appraisal Value: $672,200 · 1.0% above estimate

Beds

3

Baths

3

Sqft

1,350

Year Built

1975

Days on Market

4

Property Type

Townhouse

HOA/mo

$475

MLS ID

NDP2604760

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

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About This Property

Beautifully updated 3-bedroom, 2.5-bath townhouse located in the highly sought-after community of El Camino Club Estates. Ideally situated close to beaches, shopping, schools, dining, and medical facilities, this home offers both comfort and convenience in a prime Oceanside location. Recent upgrades include new flooring, fresh interior paint throughout, a new water heater, new gas range, and newer dishwasher. The home is complemented by two private fenced patios, including a dedicated gardening area perfect for plants and flowers. Enjoy direct access from the back gate to a spacious grassy greenbelt, creating an open and peaceful setting rarely found in townhouse living. Additional features include a detached two-car garage and access to multiple community amenities including a pool, spa, tennis courts, and sport courts. This property is a fantastic opportunity to enjoy coastal North County living in a well-maintained and amenity-rich community.

Mortgage Calculator

Est. Monthly Payment

$4,785

Principal & Interest$3,433
Property Tax$679
Insurance$198
HOA$475
%($135,800)
%

Location

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Investment Score

35C
Est. Monthly Rent
$3,387
Monthly Cashflow

Rent − PITIA

$-1,398
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,743

Mortgage (P+I)
$3,433
Cap Rate
1.22%
Cash-on-Cash
-24.24%
DSCR

Need ≥ 1.25 for DSCR loan

0.71
Break-even Rent
$6,950

NOI (Annual)
$8,282
Price-to-Rent

Lower = better for investors

16.7

* 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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