3685 Vista Campana #61
Atop 10%Oceanside, CA 92057Neighborhood: Oceana
0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$414/mo full cashflow at 20% down, 7.36% rate.
Works at $294,874 (16% under asking), or at 38% down.
Rent $3,637/mo from 15 leases of 1–3 bed houses within 2 mi ($3,390–$3,960).
Beds
2
Baths
2
Sqft
1,232
Year Built
1965
Days on Market
154
Property Type
Single Family
HOA/mo
$547
MLS ID
NDP2605635
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Welcome to easy living in Oceana, one of Oceanside's most beloved 55+ communities! This well-maintained 2-bedroom, 2-bath end-unit home offers 1,232 square feet of bright, comfortable living space and shares only one wall, providing added privacy and a detached-home feel. Abundant windows and desirable east-west exposure fills the home with natural light, while vaulted ceilings create an airy, open atmosphere throughout the main living areas. Luxury vinyl plank flooring, dual-pane windows, plantation shutters, granite countertops, and central air conditioning provide comfort, style, and convenience. A versatile bonus room offers the flexibility of a home office, fitness space, hobby room, or reading retreat. The large covered patio serves as a true extension of the home, offering the perfect spot for morning coffee, outdoor dining, gardening, or relaxing with friends while enjoying Oceanside's coastal climate year-round! A full-size laundry closet with washer and dryer is conveniently located on the patio, and an assigned covered carport adds everyday convenience. Enjoy the vibrant Oceana lifestyle with access to golf, two pools, spa, dog park, community garden, library, clubhouse activities, and a full calendar of social events. Ideally located near shopping, dining, and North County's beautiful beaches, this inviting home offers the perfect blend of comfort, convenience, and community.
Mortgage Calculator
Est. Monthly Payment
$2,923
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
$3,637
Comp Average
$2,998
3521 Pear Blossom Drive
2bd / 2ba · 1,046 sqft · Single Family
$363K
Est. $3,025/mo
81 Seagull Lane
2bd / 2ba · 1,248 sqft · Manufactured
$365K
Est. $2,340/mo
3808 Vista Campana
2bd / 2ba · 1,347 sqft · Single Family
$499K
Est. $3,458/mo
348 Riverview Way
2bd / 2ba · 1,140 sqft · Single Family
$475K
Est. $2,996/mo
3730 Ginger Way
2bd / 2ba · 1,122 sqft · Single Family
$525K
Est. $3,173/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 · $3,390–$3,960
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$414/mo short at 20% down; 38% down or +$537/mo rent closes it.
- Break-even price
- $294,874
- Break-even rent
- $4,174/mo
- Cashflow at 35% down
- −$53/mo
- Down payment to break even
- 38%
- Rate to break even
- 5.08%
16% under asking
$537/mo above the estimate
$132,620 cash
at 20% down
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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