4538 Sunrise Ridge

4538 Sunrise Ridge

D

Oceanside, CA 92056

$520,000

Soft Appraisal Value: $520,900 · 0.2% below estimate

Beds

2

Baths

2

Sqft

834

Year Built

1980

Days on Market

8

Property Type

Single Family

HOA/mo

N/A

MLS ID

260006710SD

Description

Rare opportunity to own in Peacock Hills 55+ community. Ready to downsize? Make this 2 bed 2 bath home your own. This home is a blank canvas waiting for your style and great taste. The dining area flows onto the outdoor patio where you can enjoy your morning coffee and easily entertain in the evening. There is a bonus room adjacent to the kitchen with access to the garage and back yard for your studio/hobby area. The primary bedroom has an ensuite bath. The handy attached 1 car garage walks into the bonus room adjacent to the kitchen. Tile and LVP throughout. Easy to maintain landscaping in both the front and back yards. Roam the neighborhood on tree-lined streets while enjoying the coastal climate.

Mortgage Calculator

Est. Monthly Payment

$3,301

Principal & Interest$2,629
Property Tax$520
Insurance$152
%($104,000)
%

Investment Score

9D
Est. Monthly Rent
$2,936
Monthly Cashflow

Rent − PITI − HOA

$-365
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,474

Mortgage (P+I)
$2,629
Cap Rate
2.67%
Cash-on-Cash
-17.01%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.89
Break-even Rent
$4,850

NOI (Annual)
$13,865
Price-to-Rent

Lower = better for investors

14.8

* 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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