4025 Ivey Vista Way
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4025 Ivey Vista Way

Ctop 80%

Oceanside, CA 92057Neighborhood: Ivey Ranch & Rancho Del Oro

$850,000
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: -$3,778/mo full cashflow at 20% down, 7.36% rate.

Works at $355,611 (58% under asking), or at 85% down.

Rent $3,822/mo from 11 leases of 2–4 bed houses within 1 mi, same school area ($3,634–$3,832).

Beds

3

Baths

2.5

Sqft

1,438

Year Built

1999

Days on Market

51

Property Type

Single Family

HOA/mo

$225

MLS ID

260023128SD

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

Virtual Tour

About This Property

Rare Canyon-Rim Retreat in Exclusive Ivey Ridge. Discover a rare opportunity in the gated community of Ivey Ridge. Located at 4025 Ivey Vista Way, this exceptional 3-bedroom, 2.5-bath home occupies a select outer-perimeter lot, offering privacy, natural beauty, and modern updates. Unlike interior homes facing neighboring residences, this property enjoys an outward-facing orientation overlooking protected canyon space. The living areas and primary suite capture serene natural views and a wonderful sense of openness. The location benefits from a natural ocean-breeze corridor, where refreshing coastal air flows through the canyon and elevated terrain, helping keep the home cool and potentially reducing reliance on air conditioning during warmer months. The canyon creates a unique connection to nature, with native birds and local wildlife frequently visible from the patio and living spaces. Enjoy a peaceful setting that feels worlds away from neighboring homes. The interior has been beautifully refreshed with new quartz countertops, stylish kitchen backsplash, updated light fixtures, modern mirrors, and additional improvements. Spacious living areas open to the outdoor patio, ideal for relaxing or entertaining against panoramic canyon views. Approximately five miles from the coast, this elevated setting combines coastal air, privacy, nature, and convenient proximity to the ocean. Within a gated enclave of just 127 residential parcels, this is a truly uncommon opportunity to own one of Ivey Ridge’s rare outward-facing canyon locations.

Mortgage Calculator

Est. Monthly Payment

$6,013

Principal & Interest$4,690
Property Tax$850
Insurance$248
HOA$225
%($170,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Ivey Ranch 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

28C
Est. Monthly Rent
$3,822

11 leases of 2–4 bed houses within 1 mi, same school area · $3,634–$3,832

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$2,191
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,778

What would make this work?

$3,778/mo short at 20% down; 85% down or +$4,907/mo rent closes it.

Break-even price

58% under asking

$355,611
Break-even rent

$4,907/mo above the estimate

$8,729/mo
Cashflow at 35% down
−$2,899/mo
Down payment to break even

$722,500 cash

85%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,690
Cap Rate
1.56%
Cash-on-Cash
-26.67%
DSCR

Need ≥ 1.25 for DSCR loan

0.64

NOI (Annual)
$13,232
Price-to-Rent

Lower = better for investors

18.5

* 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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CCashflow−$3,778/mo