
4267 Arcata Bay
Atop 10%Oceanside, CA 92058Neighborhood: North Valley
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
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.
Comparable Properties
5 comps foundThis Property
$3,300
Comp Average
$2,924
3573 Coconut Way
2bd / 2ba · 1,017 sqft · Condo
$470K
Est. $2,770/mo
835 Dana Point Way
2bd / 1.5ba · 1,104 sqft · Condo
$499K
Est. $2,778/mo
4237 Half Moon Bay Way
3bd / 2ba · 1,147 sqft · Condo
$560K
Est. $3,059/mo
652 Kumquat Way
3bd / 2ba · 1,269 sqft · Condo
$590K
Est. $3,194/mo
846 Dana Point Way
2bd / 1.5ba · 1,104 sqft · Condo
$533K
Est. $2,819/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules
Investment Score
Previously leased for $3,300
9 leases of 2–4 bed condos & townhomes within 1 mi · $2,927–$3,138
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,780/mo short at 20% down; 72% down or +$2,312/mo rent closes it.
- Break-even price
- $267,055
- Break-even rent
- $5,612/mo
- Cashflow at 35% down
- −$1,263/mo
- Down payment to break even
- 72%
- Rate to break even
- Not reachable
47% under asking
$2,312/mo above the estimate
$359,999 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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