4367 Pacifica Way
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4367 Pacifica Way #2

C

Oceanside, CA 92056

$810,000

Soft Appraisal Value: $805,800 · 0.5% above estimate

Beds

3

Baths

3.5

Sqft

1,724

Year Built

2021

Days on Market

58

Property Type

Condo

HOA/mo

$345

MLS ID

PTP2601992

This property is in Oceanside (92056). View neighborhood stats →

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About This Property

First time on the market — built in 2021 by Taylor Morrison, this tri-level home is located in the gated St. Cloud community at Ivey Ranch / Rancho Del Oro, known for its well-maintained grounds and resort-style amenities. The home offers 3 bedrooms, 3.5 bathrooms, and approximately 1,724 sq ft. The owner purchased it pre-construction and selected over $13,000 in builder upgrades, including recessed lighting throughout and upgraded vinyl flooring in the main living areas. The layout is practical and flexible: First floor includes a full bedroom and bathroom with direct access to the attached 2-car garage, ideal for guests or a home office. Second floor features the main living space with the kitchen, dining area, living room, private balcony, laundry room, and a half bath. Third floor has two bedroom suites, each with its own full bathroom, including the primary suite with a walk-in closet. One of the standout features of the community is the pool area — a well-kept, resort-style space with a large pool, spa, and lounge areas, perfect for relaxing or spending time outdoors year-round. The HOA is $345/month and includes gated access, pool, spa, fitness center, clubhouse, playground, and maintained common areas. Conveniently located near Guajome Regional Park, Mission San Luis Rey, Oceanside Pier, and The Shoppes at Carlsbad, with easy access to CA-76 and I-5. Beaches are about a 15–20 minute drive. Nearby schools include Ivey Ranch Elementary, Martin Luther King Jr. Middle School, and El Camino High School, along with private school and college options such as St. Mary Star of the Sea, Tri-City Christian School, MiraCosta College, Palomar College, and Cal State San Marcos.

Mortgage Calculator

Est. Monthly Payment

$5,487

Principal & Interest$4,096
Property Tax$810
Insurance$236
HOA$345
%($162,000)
%

Location

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Investment Score

38C
Est. Monthly Rent
$4,095
Monthly Cashflow

Rent − PITIA

$-1,392
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,009

Mortgage (P+I)
$4,096
Cap Rate
1.61%
Cash-on-Cash
-22.29%
DSCR

Need ≥ 1.25 for DSCR loan

0.75
Break-even Rent
$8,002

NOI (Annual)
$13,046
Price-to-Rent

Lower = better for investors

16.5

* 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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