400 Pacific
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400 Pacific #113

D

Oceanside, CA 92054

$1,299,900
NEW — 4d

Soft Appraisal Value: $1,262,400 · 3.0% above estimate

Beds

2

Baths

2

Sqft

1,280

Year Built

1990

Days on Market

4

Property Type

Condo

HOA/mo

$800

MLS ID

260012537SD

This property is in Oceanside (92054). View neighborhood stats →

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About This Property

Experience coastal living at its finest in this beautifully remodeled 2-bedroom, 2-bath condo located in the highly desirable San Miguel community at 400 N Pacific Street in Oceanside. Offering approximately 1,280 square feet of living space, this fully remodeled first-floor residence features ocean, whitewater, and Oceanside Pier views from both the living room and large balcony. The open-concept layout is ideal for coastal living and entertaining, with updated tile flooring, recessed lighting, crown molding, upgraded ceiling fans, and a beautiful stacked-stone fireplace with rustic wood mantel. The remodeled kitchen features granite countertops, upgraded cabinetry, stainless steel appliances, a tile backsplash, and bar seating that opens to the main living area. Custom built-ins add valuable storage, display shelving, serving space, and a dedicated beverage bar with dual wine/beverage refrigerators. The primary suite and 2nd bedroom feature wood flooring, crown molding, and ceiling fans. The remodeled ensuite bath features custom cabinetry, decorative tile accent wall, updated lighting, and a glass-enclosed walk-in shower. The remodeled second bath offers an upgraded vanity, decorative tile accent wall, updated lighting, and a tub/shower combo with marble-look tile surround and built-in niche. Additional features include in-unit stacked laundry and two parking spaces in the gated underground garage. San Miguel is a gated coastal community with a pool and spa. This condo also includes two parking spaces in the gated underground parking garage. Whether used as a primary residence, second home, long-term rental, or vacation rental with a 30-day minimum, this location offers incredible flexibility. Enjoy the convenience of being just steps from the beach, Oceanside Pier, restaurants, public transportation, and nearby entertainment options. From relaxing by the shore to enjoying everything Downtown Oceanside has to offer, this upgraded coastal condo puts it all within easy reach.

Mortgage Calculator

Est. Monthly Payment

$9,052

Principal & Interest$6,573
Property Tax$1,300
Insurance$379
HOA$800
%($259,980)
%

Location

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Investment Score

2D
Est. Monthly Rent
$4,910
Monthly Cashflow

Rent − PITIA

$-4,142
Full Cashflow

Incl. vacancy, PM, maint, capex

$-6,354

Mortgage (P+I)
$6,573
Cap Rate
0.20%
Cash-on-Cash
-29.33%
DSCR

Need ≥ 1.25 for DSCR loan

0.54
Break-even Rent
$13,163

NOI (Annual)
$2,623
Price-to-Rent

Lower = better for investors

22.1

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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