
3754 Gail
Atop 10%Oceanside, CA 92056Neighborhood: Mira Costa
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
Location
Loading map...
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.
Comparable Properties
5 comps foundThis Property
$2,879
Comp Average
$3,009
3112 Buena Hills Drive
2bd / 1ba · 827 sqft · Single Family
$500K
Est. $3,193/mo

3746 Gail Dr
2bd / 1ba · 827 sqft · Single Family
$549K
Est. $3,205/mo
3701 North Way
2bd / 1ba · 827 sqft · Single Family
$549K
Est. $2,880/mo
3239 Calle Osuna
2bd / 1ba · 827 sqft · Single Family
$589K
Est. $2,912/mo
3658 Aqua Lane
2bd / 1ba · 827 sqft · Single Family
$599K
Est. $2,855/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
19 leases of 1–3 bed houses within 2 mi · $2,618–$3,256
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,123/mo short at 20% down; 75% down or +$2,757/mo rent closes it.
- Break-even price
- $288,659
- Break-even rent
- $5,636/mo
- Cashflow at 35% down
- −$1,534/mo
- Down payment to break even
- 75%
- Rate to break even
- Not reachable
49% under asking
$2,757/mo above the estimate
$423,750 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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.
Open Full Calculator