4336 Harbor Way Oceanside

4336 Harbor Way Oceanside

D

, CA 92056

$789,000

Beds

3

Baths

3.5

Sqft

1,702

Year Built

2019

Days on Market

15

Property Type

Townhouse

HOA/mo

$345

MLS ID

PTP2601235

Description

THIS IS NOT YOUR AVERAGE TOWNHOME AND THE MOMENT YOU STEP INSIDE, YOU’LL FEEL IT!! Welcome to an expansive, light-filled corner residence that lives more like a detached home than a traditional townhome. With three spacious bedrooms, three and a half bathrooms, and thoughtfully designed multi-level living, Unit 1 offers a rare blend of elevated style, functionality, and storage. This home is the perfect setup for relaxed living - entertain guests in the large open concept kitchen, dining, and living room. View sunsets from the west facing windows. Maintenance is a breeze with luxury vinyl plank floors throughout and ceramic tile on the entertainment level. Every bedroom is impressively sized with its own bathroom, creating privacy, and flexibility for guests, multigenerational living, or a work-from-home office. The primary suite is a true retreat - large en-suite bath and custom closet system - space, comfort, and room to breathe. When you want to explore Oceanside and beyond – grab your gear from the garage with massive storage – overhead racks and shelving and hit the road. Located in the highly desirable St Cloud community with exceptional amenities (pool, gym, clubhouse) and close proximity to beaches, dining, and coastal lifestyle conveniences, this home delivers both luxury and livability. Easy access to Oceanside schools and Camp Pendleton. Leave your chores behind in the St. Cloud community and enjoy the grounds. It all comes together in this Home! (Its also FHA & VA approved!!!)

Mortgage Calculator

Est. Monthly Payment

$5,354

Principal & Interest$3,990
Property Tax$789
Insurance$230
HOA$345
%($157,800)
%

Investment Score

21D
Est. Monthly Rent

Market Rent Estimate

$4,632
Monthly Cashflow

Rent − PITI − HOA

$-722
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,444

Mortgage (P+I)
$3,990
Cap Rate
2.35%
Cash-on-Cash
-5.49%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

1.16
Break-even Rent
$5,354

NOI (Annual)
$18,542
Price-to-Rent

Lower = better for investors

14.2

* Defaults: 20% down, 6.5% rate, 30yr.

Get Expert AnalysisOpen Full Calculator