3754 Gail
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3754 Gail

Atop 10%

Oceanside, CA 92056Neighborhood: Mira Costa

$565,000
STR closed · inland Oceanside

1 licensed short-term rental within ½ mile (1 whole home), from the cities' license and permit lists of Nov 11, 2026.

Pass at asking: -$2,123/mo full cashflow at 20% down, 7.43% rate.

Works at $288,659 (49% under asking), or at 75% down.

Rent $2,879/mo from 19 leases of 1–3 bed houses within 2 mi ($2,618–$3,256).

Beds

2

Baths

1

Sqft

827

Year Built

1974

Days on Market

147

Property Type

Single Family

HOA/mo

N/A

MLS ID

SW26116202

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

About This Property

Huge Price Improvement! Welcome to this exceptional, move-in ready home nestled in the heart of Costa Serena, one of Oceanside's most sought-after 55+ communities in North County San Diego. Thoughtfully updated throughout, this charming 2-bedroom, 1-bathroom residence radiates genuine pride of ownership at every turn, offering the perfect blend of modern upgrades and comfortable living. Step inside and immediately appreciate the warm, inviting atmosphere created by an open-concept floor plan that allows natural light to pour through dual-pane windows into every corner of the home. The fully remodeled kitchen is truly the heart of this residence, designed for both everyday living and easy entertaining. It features stunning granite countertops, an extra-large center island with generous prep space, upgraded cabinetry with ample storage, and sleek stainless steel appliances — all tied together with durable, easy-care tile flooring that flows seamlessly into the open living area. Ceiling fans have been installed in every room, providing excellent airflow and a fresh, comfortable feel year-round throughout the home. This home has been meticulously improved from top to bottom. Recent upgrades include newer roof, air conditioning system, dual-pane windows, rain gutters and fascia boards, garage door and opener, and recently poured concrete driveway. To make this home truly turnkey, the refrigerator, washer, and dryer are all included to just move in and start living. The beautifully landscaped front yard is fully gated and creates wonderful curb appeal and a welcoming first impression. Out back, you'll find a covered patio is perfect for morning coffee, afternoon relaxation, or casual outdoor dining in the shade. The yard is designed to be low maintenance, so you can spend your time enjoying it rather than maintaining it. A large utility shed provides excellent storage for tools, outdoor equipment, or hobby supplies. On the side yard, large, raised planters offer a wonderful opportunity to grow flowers, herbs, or vegetables. Costa Serena is one of the rare 55+ communities in Southern California that offers a peaceful, well-established neighborhood atmosphere with no HOA dues. Situated in the heart of North County San Diego, this home places you just minutes from everything Oceanside has to offer.

Mortgage Calculator

Est. Monthly Payment

$3,869

Principal & Interest$3,139
Property Tax$565
Insurance$165
%($113,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Christa McAuliffe Elementary · 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.

Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules

Investment Score

55A
Est. Monthly Rent
$2,879

19 leases of 1–3 bed houses within 2 mi · $2,618–$3,256

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$990
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,123

What would make this work?

$2,123/mo short at 20% down; 75% down or +$2,757/mo rent closes it.

Break-even price

49% under asking

$288,659
Break-even rent

$2,757/mo above the estimate

$5,636/mo
Cashflow at 35% down
−$1,534/mo
Down payment to break even

$423,750 cash

75%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,139
Cap Rate
2.46%
Cash-on-Cash
-22.54%
DSCR

Need ≥ 1.25 for DSCR loan

0.74

NOI (Annual)
$13,919
Price-to-Rent

Lower = better for investors

16.4

* Modelled at 20% down, 7.43% 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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ACashflow−$2,123/mo