3839 Vista Campana S 8

3839 Vista Campana S 8

Atop 10%

Oceanside, CA 92057Neighborhood: Oceana

$399,000
NEW — 1d
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: -$1,115/mo full cashflow at 20% down, 7.36% rate.

Works at $253,032 (37% under asking), or at 61% down.

Rent $3,209/mo from 17 leases of 1–3 bed houses within 2 mi ($2,992–$3,532).

Beds

2

Baths

2

Sqft

994

Year Built

1970

Days on Market

1

Property Type

Single Family

HOA/mo

$537

MLS ID

NDP2610255

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

About This Property

Welcome to a remarkably peaceful, private end-unit home in Oceana, tucked at the end of a quiet cul-de-sac just four miles from the coast. What truly sets this property apart is its setting: flower beds, mature greenery, and an expansive lawn and greenbelt right outside create a wonderfully secluded feel. Three large sliding glass doors bring in abundant natural light and create an easy indoor-outdoor connection to two private patios, offering lovely places to relax and enjoy the Southern California climate. Inside, beautiful light-toned luxury vinyl plank flooring and carefully maintained, updated interiors make this a comfortable, move-in-ready space. The two bedrooms are thoughtfully positioned at opposite ends of the home for added privacy, with only a single shared wall in the living room and no shared bedroom walls. The spacious primary bedroom opens directly to the garden, while the second bedroom is ideal for guests, an office, or hobby space. The bathroom features a standard tub/shower combination, and the layout makes it easy to create a walk-in shower or add a second full bathroom off the primary suite. Everyday conveniences include a full-sized single garage with a hobby sink and an included washer and dryer. Oceana is an established 55+ community. The HOA and land lease fees include access to pools, clubhouse facilities, activities, and extensive landscaped grounds, conveniently located near shopping, restaurants, and the coast. Quiet, green, private, and just four miles from the ocean—a particularly special setting.

Mortgage Calculator

Est. Monthly Payment

$3,254

Principal & Interest$2,201
Property Tax$399
Insurance$116
HOA$537
%($79,800)
%
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

74A
Est. Monthly Rent
$3,209

17 leases of 1–3 bed houses within 2 mi · $2,992–$3,532

Blended 50/50 with the zip's market median ($3,150)

Monthly Cashflow

Rent − PITIA

-$44
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,115

What would make this work?

$1,115/mo short at 20% down; 61% down or +$1,448/mo rent closes it.

Break-even price

37% under asking

$253,032
Break-even rent

$1,448/mo above the estimate

$4,657/mo
Cashflow at 35% down
−$702/mo
Down payment to break even

$243,390 cash

61%
Rate to break even

at 20% down

1.40%

Mortgage (P+I)
$2,201
Cap Rate
3.75%
Cash-on-Cash
-16.77%
DSCR

Need ≥ 1.25 for DSCR loan

0.99

NOI (Annual)
$14,963
Price-to-Rent

Lower = better for investors

10.4

* 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−$1,115/mo