4382 Pacifica Way

4382 Pacifica Way #4

D

Oceanside, CA 92056

$799,000

Soft Appraisal Value: $814,700 · 1.9% below estimate

Beds

3

Baths

3.5

Sqft

1,724

Year Built

2021

Days on Market

75

Property Type

Townhouse

HOA/mo

$345

MLS ID

260001473SD

Description

Welcome to Oceanside’s highly sought after St. Cloud Community! This RARELY on market 3-bedroom townhome blends modern luxury & lifestyle with a prime location! Built in 2021 by Taylor Morrison- America’s most trusted home builder, immaculate like new condition & move in ready! Designed with both comfort and versatility, this tri-level townhome offers 3 generously sized bedrooms, each with their own in suite bathroom and LVP flooring throughout. The first floor features a private bedroom and full bath with direct garage access making it the ideal space for a secluded home office, accommodating long term guests or renting out as a private unit. The 2nd floor (main level) offers a bright, open concept with an abundance of natural light! The living area flows seamlessly onto your expansive, private, outdoor balcony, perfect for morning coffee. A chef’s kitchen with sleek quartz countertops, built-in island, designer finishes & stainless-steel appliances- ready for hosting along with all your culinary creations. The main level is complete with a half bath and full-size laundry room. Upstairs you will find two generously sized master suites- The primary features a large walk-in closet, in suite bath w dual sink vanity and step in shower. The secondary suite just across the hall features a reach in closet & en-suite bath with soaking tub. Additional highlights include central ac & ceiling fans throughout, Ev charging station, water filtration system & tankless water heater. St. Cloud gated Community is surrounded by lush green landscaping and unparalleled resort-like amenities including a Jr. Olympic sized swimming pool w private cabanas, relaxing spa/hot tub, outdoor showers, fitness center, clubhouse, BBQ area, playground, basketball courts & more! Location Location Location! Just minutes from beaches, downtown Oceanside, shopping and restaurants. Walking distance to Oceanside’s top rated elementary -Ivey Ranch, MLK Middle School, El Camino High, parks, sports fields and scenic hiking/biking trails. Easy Access to 76, 5 & 78 freeways, Scripps Hospital. A coveted front row location with no neighbors in front! St. Cloud offers more than just a coastal community-it’s a lifestyle! FHA & VA approved.

Mortgage Calculator

Est. Monthly Payment

$5,417

Principal & Interest$4,040
Property Tax$799
Insurance$233
HOA$345
%($159,800)
%

Investment Score

5D
Est. Monthly Rent
$4,094
Monthly Cashflow

Rent − PITIA

$-1,323
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,931

Mortgage (P+I)
$4,040
Cap Rate
1.67%
Cash-on-Cash
-22.01%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.76
Break-even Rent
$7,900

NOI (Annual)
$13,315
Price-to-Rent

Lower = better for investors

16.3

* 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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