4267 Arcata Bay
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4267 Arcata Bay

Atop 10%

Oceanside, CA 92058Neighborhood: North Valley

$499,999
STR closed · inland Oceanside

1 licensed short-term rental within ½ mile (1 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$1,780/mo full cashflow at 20% down, 7.36% rate.

Works at $267,055 (47% under asking), or at 72% down.

Rent $3,300/mo from 9 leases of 2–4 bed condos & townhomes within 1 mi ($2,927–$3,138). Previously leased for $3,300.

Beds

3

Baths

2

Sqft

1,193

Year Built

1982

Days on Market

175

Property Type

Condo

HOA/mo

$500

MLS ID

SW26101849

This property is in Oceanside (92058). Browse neighborhood analytics →

About This Property

VA Approved! Welcome to this highly sought-after upper-level condo in the desirable Whelan Ranch community of Oceanside. This beautifully upgraded single-level end unit offers privacy with no neighbors above or below, along with convenient access to the community pool. Step onto the inviting patio/deck and into a light-filled home featuring fresh interior paint, luxury vinyl plank flooring, vinyl windows, NEW air-conditioning, and an open-concept layout perfect for modern living.The updated kitchen showcases quartz countertops, white shaker cabinetry, recessed lighting, and stainless steel appliances, including a brand-new dishwasher. The spacious primary suite includes a walk-in closet and an upgraded en-suite bathroom with quartz countertops. The secondary bathroom is equally stylish, offering quartz counters and a full tub/shower combination. For added convenience, the laundry room is located inside the unit.This home also includes a spacious single-car garage directly below the unit plus an additional dedicated parking space. HOA dues cover water, trash, and common area landscaping.Enjoy the best of the Oceanside lifestyle with the beach just 7 miles away. Relax on your private deck, cool off in the community pool, or explore nearby hiking and biking along the San Luis Rey Trail. Whelan Ranch offers a peaceful, secluded atmosphere with mature trees and lush landscaping, while still being conveniently close to Camp Pendleton, the Oceanside Pier and Harbor, golf courses, fishing, shopping, dining, and schools.This rare Oceanside gem combines comfort, style, and location — don’t miss your chance to call Whelan Ranch home!

Mortgage Calculator

Est. Monthly Payment

$3,904

Principal & Interest$2,759
Property Tax$500
Insurance$146
HOA$500
%($100,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Louise Foussat 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

62A
Est. Monthly Rent
$3,300

Previously leased for $3,300

9 leases of 2–4 bed condos & townhomes within 1 mi · $2,927–$3,138

Monthly Cashflow

Rent − PITIA

-$605
Full Cashflow

Incl. vacancy, PM, maint, capex

-$1,780

What would make this work?

$1,780/mo short at 20% down; 72% down or +$2,312/mo rent closes it.

Break-even price

47% under asking

$267,055
Break-even rent

$2,312/mo above the estimate

$5,612/mo
Cashflow at 35% down
−$1,263/mo
Down payment to break even

$359,999 cash

72%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$2,759
Cap Rate
2.74%
Cash-on-Cash
-21.36%
DSCR

Need ≥ 1.25 for DSCR loan

0.85

NOI (Annual)
$13,720
Price-to-Rent

Lower = better for investors

12.6

* 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−$1,780/mo