427 Clementine St
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427 Clementine St

C

Oceanside, CA 92054

$2,375,000
NEW — 4d

Soft Appraisal Value: $2,293,300 · 3.6% above estimate

Beds

3

Baths

3.5

Sqft

2,296

Year Built

1998

Days on Market

4

Property Type

Single Family

HOA/mo

N/A

MLS ID

260016634SD

This property is in Oceanside (92054). View neighborhood stats →

About This Property

Experience exceptional coastal living in one of Oceanside's most sought-after beachside neighborhoods. Located west of I-5 and just a short walk to the sand, this beautifully rebuilt and expanded home blends timeless beach cottage charm with modern luxury. Originally a 1940s bungalow and thoughtfully redesigned into a spacious contemporary residence, the home offers approximately 2,300 square feet of living space. The open-concept floor plan features soaring ceilings, abundant natural light, and high-end finishes throughout. The gourmet kitchen is equipped with custom cabinetry, granite slab countertops, premium appliances, and a breakfast bar that flows seamlessly into the living and dining areas. The home includes multiple private bedroom suites, including a luxurious primary retreat with dual walk-in closets, spa-inspired bath, and direct access to the ocean-view deck. Ideal for multigenerational living, guests, a private casita, or potential rental income, the lower level offers exceptional flexibility with its own entrance, kitchen, bathroom, washer/dryer, and studio living space. Additional highlights include a two-car garage with alley access, gated entry, mature tropical landscaping, hardwood flooring, central air conditioning, custom ironwork, high end cold plunge, and a generous walk-in workshop/storage area beneath the home. Leave the car behind and stroll to the beach, Oceanside Pier, boutique shopping, acclaimed restaurants, cafés, wine bars, breweries, and Oceanside's favorite local dining spots.

Mortgage Calculator

Est. Monthly Payment

$15,077

Principal & Interest$12,009
Property Tax$2,375
Insurance$693
%($475,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$6,138
Monthly Cashflow

Rent − PITIA

$-8,939
Full Cashflow

Incl. vacancy, PM, maint, capex

$-12,330

Mortgage (P+I)
$12,009
Cap Rate
-0.16%
Cash-on-Cash
-31.15%
DSCR

Need ≥ 1.25 for DSCR loan

0.41
Break-even Rent
$22,151

NOI (Annual)
$-3,851
Price-to-Rent

Lower = better for investors

32.2

* 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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