3760 Vista Campana #49
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3760 Vista Campana #49

Atop 10%

Oceanside, CA 92057Neighborhood: Oceana

$299,888
STR closed · inland Oceanside

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: -$1,232/mo full cashflow at 20% down, 7.36% rate.

Works at $138,666 (54% under asking), or at 80% down.

Rent $2,251/mo from 21 leases of studio–2 bed condos & townhomes within 2 mi ($2,178–$2,482).

Beds

1

Baths

1

Sqft

660

Year Built

1967

Days on Market

72

Property Type

Condo

HOA/mo

$674

MLS ID

NDP2608219

This property is in Oceanside (92057). Browse neighborhood analytics →

Virtual Tour

About This Property

Welcome to this charming 1-bedroom, 1-bath home located in the desirable Oceana 55+ community of Oceanside! Offering approximately 660 square feet of comfortable living space, plus an enclosed California Room which adds sqft to the interior space, this single-story home features a bright and inviting interior with plenty of natural light throughout. The spacious floor plan includes separate living and dining areas, laminate flooring, and a versatile bonus room that provides additional space for a home office, sitting area, hobby room, or extra storage. The kitchen comes equipped with a cooktop, oven and refrigerator, while convenient in-home laundry hookups add to the home's functionality. Enjoy a peaceful, private setting with reserved parking and a location near the golf course. Residents of Oceana enjoy access to wonderful community amenities, including a swimming pool, spa, clubhouse and a variety of social activities. The community is conveniently located near shopping, dining and everyday services, with Oceanside's beaches and coastal attractions just a short drive away. If you're looking for comfortable, low-maintenance living in an established 55+ Oceanside community, this home is a must-see!

Mortgage Calculator

Est. Monthly Payment

$2,716

Principal & Interest$1,655
Property Tax$300
Insurance$87
HOA$674
%($59,978)
%
Loan Term

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.

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

Investment Score

59A
Est. Monthly Rent
$2,251

21 leases of studio–2 bed condos & townhomes within 2 mi · $2,178–$2,482

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$464
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,232

What would make this work?

$1,232/mo short at 20% down; 80% down or +$1,600/mo rent closes it.

Break-even price

54% under asking

$138,666
Break-even rent

$1,600/mo above the estimate

$3,851/mo
Cashflow at 35% down
−$922/mo
Down payment to break even

$239,910 cash

80%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$1,655
Cap Rate
2.14%
Cash-on-Cash
-24.65%
DSCR

Need ≥ 1.25 for DSCR loan

0.83

NOI (Annual)
$6,420
Price-to-Rent

Lower = better for investors

11.1

* 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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ACashflow−$1,232/mo