4499 Pebble Beach Drive
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4499 Pebble Beach Drive

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Oceanside, CA 92057Neighborhood: North Valley

$889,000
NEW — 0d
STR closed · inland Oceanside

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 →

Virtual Tour

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

Principal & Interest$4,968
Property Tax$889
Insurance$259
%($177,800)
%
Loan Term

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.

Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules

Investment Score

43B
Est. Monthly Rent
$4,554

23 leases of 4-bed houses within 2 mi · $4,120–$4,618

Blended 50/50 with the zip's market median ($4,814)

Monthly Cashflow

Rent − PITIA

-$1,562
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,350

What would make this work?

$3,350/mo short at 20% down; 74% down or +$4,351/mo rent closes it.

Break-even price

49% under asking

$454,564
Break-even rent

$4,351/mo above the estimate

$8,905/mo
Cashflow at 35% down
−$2,419/mo
Down payment to break even

$657,860 cash

74%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,968
Cap Rate
2.49%
Cash-on-Cash
-22.61%
DSCR

Need ≥ 1.25 for DSCR loan

0.74

NOI (Annual)
$22,145
Price-to-Rent

Lower = better for investors

16.3

* 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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BCashflow−$3,350/mo