4248 Mission Ranch Way
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4248 Mission Ranch Way

Ctop 80%

Oceanside, CA 92057Neighborhood: San Luis Rey

$755,000
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: -$3,239/mo full cashflow at 20% down, 7.36% rate.

Works at $331,085 (56% under asking), or at 83% down.

Rent $3,658/mo from 10 leases of 2–4 bed condos & townhomes within 1 mi ($3,351–$3,570).

Beds

3

Baths

3

Sqft

1,548

Year Built

2018

Days on Market

56

Property Type

Townhouse

HOA/mo

$286

MLS ID

NDP2608739

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

Virtual Tour

About This Property

Seller Offering Buyer CREDIT! Welcome to 4248 Mission Ranch Way, a beautifully maintained and move-in-ready townhome in Oceanside’s desirable Mission Lane community. Built in 2018, this stylish 3-bedroom, 3-bath residence offers 1,548 sq. ft. of thoughtfully designed living space with a bright, open layout ideal for both everyday living and entertaining. Beautiful new flooring gives the home a fresh, updated feel, while central A/C provides year-round comfort. The home also includes all appliances, along with a newer washer and dryer, making your move that much easier. Generously sized bedrooms and three full bathrooms provide plenty of flexibility for family, guests, or a dedicated home office. Enjoy the Southern California lifestyle with Mission Lane’s resort-style amenities, including a sparkling pool and spa, BBQ areas, playground, expansive green spaces, and scenic walking paths. Whether relaxing poolside, enjoying an evening stroll, or gathering with friends and family, this community offers something for everyone. Ideally located just minutes from Oceanside’s beautiful beaches, shopping, dining, recreation, and major commuter routes, this home combines modern comfort with an exceptional coastal lifestyle. Beautifully maintained, thoughtfully updated, and ready for its next owner—4248 Mission Ranch Way is more than a home; it’s an opportunity to enjoy the best of Oceanside living.

Mortgage Calculator

Est. Monthly Payment

$5,427

Principal & Interest$4,166
Property Tax$755
Insurance$220
HOA$286
%($151,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Nichols Elementary · grades K-5 · Oceanside Unified

  • Middle

    Cesar Chavez 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

35C
Est. Monthly Rent
$3,658

10 leases of 2–4 bed condos & townhomes within 1 mi · $3,351–$3,570

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,769
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,239

What would make this work?

$3,239/mo short at 20% down; 83% down or +$4,207/mo rent closes it.

Break-even price

56% under asking

$331,085
Break-even rent

$4,207/mo above the estimate

$7,865/mo
Cashflow at 35% down
−$2,458/mo
Down payment to break even

$626,650 cash

83%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,166
Cap Rate
1.76%
Cash-on-Cash
-25.74%
DSCR

Need ≥ 1.25 for DSCR loan

0.67

NOI (Annual)
$13,313
Price-to-Rent

Lower = better for investors

17.2

* 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−$3,239/mo