424 Tremont Street

424 Tremont Street

D

Oceanside, CA 92054

$1,979,000
NEW — 6d on market

Soft Appraisal Value: $1,925,800 · 2.8% above estimate

Beds

4

Baths

2.5

Sqft

2,366

Year Built

2003

Days on Market

6

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2602755

Description

Exceptional coastal living in the heart of Downtown Oceanside. Amazing opportunity west of Coast Highway—this fully detached, move-in ready row home offers the ultimate blend of lifestyle, flexibility, and investment potential. Complete with an ocean-view rooftop patio and currently operating as a registered vacation rental, this property is ideally suited as an income-producing asset, primary residence, or second home by the beach. Located within the Coastal Zone, a key designation supporting short-term rental use. Thoughtfully designed 4-bedroom, 3-bath home features an open and airy floor plan with two expansive living areas—living room and family room—each with its own fireplace, creating comfort and versatility. The chef’s kitchen is beautifully appointed with a full suite of KitchenAid appliances, granite countertops, wine refrigerator, and walk-in pantry, seamlessly opening to the family room for effortless entertaining. The spacious primary suite offers a private retreat with fireplace, fully outfitted walk-in closet, and spa-inspired bath with dual vanities, soaking tub, and separate shower. Enjoy outdoor living with a west-facing front patio featuring multiple seating areas and fire pit, plus an ocean-view rooftop deck offering sunset views and coastal breezes. Two-car alley-access garage. Just steps from the beach and all of Downtown Oceanside’s most desirable destinations, including the iconic Pier, award-winning dining, breweries, cafés, cultural attractions, and the transit center with direct access to San Diego and Los Angeles. No HOA. No Mello-Roos. Rare opportunity to own a detached home in one of Southern California’s most dynamic coastal communities. Furnishings available. Security cameras on premises.

Mortgage Calculator

Est. Monthly Payment

$12,563

Principal & Interest$10,007
Property Tax$1,979
Insurance$577
%($395,800)
%

Investment Score

0D
Est. Monthly Rent
$5,740
Monthly Cashflow

Rent − PITI − HOA

$-6,823
Full Cashflow

Incl. vacancy, PM, maint, capex

$-9,792

Mortgage (P+I)
$10,007
Cap Rate
0.13%
Cash-on-Cash
-29.69%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.46
Break-even Rent
$18,457

NOI (Annual)
$2,576
Price-to-Rent

Lower = better for investors

28.7

* 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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