3685 Vista Campana #68
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 14, 2026.
Pass at asking: -$1,051/mo full cashflow at 20% down, 7.36% rate.
Works at $217,657 (39% under asking), or at 63% down.
Rent $2,870/mo from 18 leases of 2-bed condos & townhomes within 2 mi ($2,590–$3,094).
Beds
2
Baths
2
Sqft
1,028
Year Built
1965
Days on Market
45
Property Type
Condo
HOA/mo
$547
MLS ID
OC26212413
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
FANTASTIC OPPORTUNITY !!! The lowest priced 2 BR, 2BA in the community. The best deal ever !!! The most Affordable 2BR home in the desirable 55+ Oceana community. Full of Potential. Discover the opportunity to create your own dream home in the sought-after Oceana 55+ community. This charming single-story condo features 2 bedrooms and 2 bathrooms, a spacious floor plan, and an abundance of natural light throughout. The inviting living room features custom-built plantation shutters and flows comfortably into the home’s living spaces. Central air conditioning provides year-round comfort, while the enclosed patio bonus room adds valuable versatility and potential. Filled with natural light from multiple skylights, this bonus space can be transformed into a home office, craft room, reading nook, hobby room, or additional living area. This is a fantastic fixer with plenty of potential, offering an excellent opportunity for someone with vision to personalize and update the home to their own taste. The property would benefit from cosmetic updates and upgrades, providing a wonderful foundation for creating a comfortable and stylish retreat. A convenient rear entrance provides easy access to nearby parking, adding to the home's everyday convenience. Step outside and embrace the relaxed Southern California lifestyle that Oceana is known for. Residents enjoy an impressive array of amenities, including a clubhouse, pickleball courts, two swimming pools—including one heated pool, spa, billiards room, library, art and pottery studio, woodshop, dog park, and a variety of clubs and social activities. Golf enthusiasts can enjoy discounted rates at nearby Emerald Isle Golf Course, while RV parking and community garden plots are available, subject to availability and applicable fees. Conveniently located just minutes from beautiful beaches, the Oceanside Pier, shopping, dining, and freeway access, this home offers an exciting opportunity to create your own coastal retreat while enjoying an active and welcoming 55+ community. Bring your vision and imagination—this diamond in the rough is ready for its next chapter!
Mortgage Calculator
Est. Monthly Payment
$2,964
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.
Renovation math
Flagged Heavy Rehab from the listing remarks — “fixer”, “diamond in the rough”, “cosmetic updates”.
- Asking now
- $355K
- Worth finished
- $455K
- Budget to renovate
- $100,000
$345/sqft
$443/sqft × 1,028 sqft
$97/sqft to spend
Comparable finished homes nearby suggest this is worth $455K once it's brought to par — about $100,000 above the asking price. That spread is your renovation budget before the deal stops working.
Rent once renovated
- Rent at par
- $2,891/mo
- Cashflow at that rent
- −$1,034/mo
$2.81/sqft × 1,028 sqft, median of 5 comps
cap rate 3.61%, DSCR 0.98
Buying at asking and achieving par rent, excluding the renovation spend itself. We don't publish a current-condition rent: no listing remark says how much work a home needs, and mid-renovation it earns nothing.
Based on 5 comparable homes of the same property type and size currently listed nearby — asking prices and modelled rents, not closed sales. A contractor's scope, not this page, decides what a renovation actually costs.
Comparable Properties
5 comps foundThis Property
$2,870
Comp Average
$2,887
3720 Mount Vernon Avenue
2bd / 2ba · 1,059 sqft · Condo
$415K
Est. $2,978/mo
3685 Vista Campana
2bd / 2ba · 1,004 sqft · Condo
$435K
Est. $2,888/mo
3755 Vista Campana
2bd / 2ba · 1,028 sqft · Condo
$455K
Est. $2,864/mo
3685 Vista Campana
2bd / 2ba · 1,028 sqft · Condo
$495K
Est. $2,905/mo
3615 Vista Bella
2bd / 2ba · 1,028 sqft · Condo
$530K
Est. $2,799/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
18 leases of 2-bed condos & townhomes within 2 mi · $2,590–$3,094
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,051/mo short at 20% down; 63% down or +$1,364/mo rent closes it.
- Break-even price
- $217,657
- Break-even rent
- $4,234/mo
- Cashflow at 35% down
- −$683/mo
- Down payment to break even
- 63%
- Rate to break even
- 0.96%
39% under asking
$1,364/mo above the estimate
$223,650 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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