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4518 Big Sur St

Atop 10%

Oceanside, CA 92057Neighborhood: North Valley

$740,000

STR closed · inland Oceanside

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$2,170/mo full cashflow at 20% down, 7.36% rate.

Works at $456,022 (38% under asking), or at 63% down.

Rent $4,526/mo from 23 leases of 4-bed houses within 2 mi ($3,796–$4,212).

Beds

Baths

Sqft

1,710

Year Built

1986

Days on Market

100

Property Type

Single Family

HOA/mo

N/A

MLS ID

260019001SD

This property is in Oceanside (92057). Browse neighborhood analytics →

Virtual Tour

About This Property

This is a probate sale-no court confirmation required. Ideally located near the San Luis Rey River Trail and Whelan Lake, with easy access to Oceanside beaches, shopping, and commuter routes. Set in the established North Valley community, this 4-bedroom, 3-bathroom single family home offers 1,710 square feet of living space with soaring vaulted ceilings that bring in abundant natural light throughout. A standout feature is a private backyard pool with a 9,700 sqft lot. Rare find in this price range- offering excellent potential for outdoor entertainment once it is updated. Sold as-is. Buyers are advised to independently verify square footage, lot size and pool condition.

Mortgage Calculator

Est. Monthly Payment

$5,039

Principal & Interest$4,083

Property Tax$740

Insurance$216

Down Payment

%($148,000)

Interest Rate

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.

Comparable Properties

5 comps found

This Property

$4,526

Comp Average

$4,213

4593 Mardi Gras

4bd / 2.5ba · 1,666 sqft · Single Family

$870K

Est. $4,301/mo

5001 Calle Arquero

4bd / 2ba · 1,790 sqft · Single Family

$885K

Est. $4,166/mo

374 Via Metates

4bd / 2ba · 1,629 sqft · Single Family

$888K

Est. $4,209/mo

929 Goleta St.

4bd / 3ba · 1,710 sqft · Single Family

$940K

Est. $4,272/mo

5569 Old Ranch Rd.

4bd / 3ba · 1,764 sqft · Single Family

$975K

Est. $4,119/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

63A

Est. Monthly Rent

$4,526

23 leases of 4-bed houses within 2 mi · $3,796–$4,212

Blended 50/50 with a property-level estimate

A property-level estimate runs more than 25% above what comparable homes leased for ($3,920). Treat this rent with extra care.

Monthly Cashflow

Rent − PITIA

-$513

Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,170

What would make this work?

$2,170/mo short at 20% down; 63% down or +$2,819/mo rent closes it.

Break-even price: $456,022
Break-even rent: $7,345/mo
Cashflow at 35% down: −$1,405/mo
Down payment to break even: 63%
Rate to break even: 1.03%

Mortgage (P+I)

$4,083

Cap Rate

3.47%

Cash-on-Cash

-17.60%

DSCR

Need ≥ 1.25 for DSCR loan

0.90

NOI (Annual)

$25,664

Price-to-Rent

Lower = better for investors

13.6

* Modelled at 20% down, 7.36% 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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ACashflow−$2,170/mo