4499 Pebble Beach Drive
Btop 30%Oceanside, CA 92057Neighborhood: North Valley
3 licensed short-term rentals within ½ mile (3 whole home), from the cities' license and permit lists of Nov 5, 2026.
Pass at asking: -$3,350/mo full cashflow at 20% down, 7.49% rate.
Works at $454,564 (49% under asking), or at 74% down.
Rent $4,554/mo from 23 leases of 4-bed houses within 2 mi ($4,120–$4,618).
Beds
4
Baths
3
Sqft
2,002
Year Built
1989
Days on Market
0
Property Type
Single Family
HOA/mo
N/A
MLS ID
NDP2610017
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
You’ll love this four bedroom home with a full bedroom and bath on the entry level. White picket fence and welcoming curb appeal make it Home Sweet Home! Nestled in a quiet, established neighborhood with wide streets and sidewalks, this spacious 4-bedroom, 3-bath home offers plenty of room. Enjoy the convenience of an entry-level bedroom and full bath—perfect for guests or multigenerational living. The kitchen overlooks the family room, creating a warm and open space for gathering. Vaulted ceilings and durable flooring add comfort throughout. Step outside to a large, fully fenced front yard, and a private backyard with fruit trees—no neighbors peeking in! Practical upgrades include a roof replacement around 2016 and 26 fully OWNED solar panels that typically eliminate monthly electric bills. The attached three-car garage provides ample parking and storage, while the finished “he/she shed” offers the ideal space for hobbies, a home office, or a quiet retreat. Ideally located near excellent schools, shopping, and dining—just five miles from the beach—this home captures the best of Southern California living. Enjoy easy access to golf courses, the San Luis Rey bike trail, Downtown Oceanside, the Pier, and the Harbor. No HOA fees or Mello-Roos—just classic coastal living in a home that truly has it all.
Mortgage Calculator
Est. Monthly Payment
$6,116
Location
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Zoned Schools
Elementary
Libby 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
$4,554
Comp Average
$4,484
914 Tempera Court
4bd / 2.5ba · 2,077 sqft · Single Family
$899K
Est. $4,570/mo
4887 Glenhollow
4bd / 2ba · 2,025 sqft · Single Family
$960K
Est. $4,253/mo
1184 Masterpiece Drive
4bd / 2ba · 1,901 sqft · Single Family
$969K
Est. $4,496/mo
1009 Longfellow Court
4bd / 2ba · 2,069 sqft · Single Family
$989K
Est. $4,503/mo
1647 Shire Ave
4bd / 2ba · 1,959 sqft · Single Family
$1.07M
Est. $4,597/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
23 leases of 4-bed houses within 2 mi · $4,120–$4,618
Blended 50/50 with the zip's market median ($4,814)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,350/mo short at 20% down; 74% down or +$4,351/mo rent closes it.
- Break-even price
- $454,564
- Break-even rent
- $8,905/mo
- Cashflow at 35% down
- −$2,419/mo
- Down payment to break even
- 74%
- Rate to break even
- Not reachable
49% under asking
$4,351/mo above the estimate
$657,860 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.49% 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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