4545 Golden Ridge Dr
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4545 Golden Ridge Dr

B

Oceanside, CA 92056

$545,000
NEW — 2d

Soft Appraisal Value: $534,400 · 2.0% above estimate

Beds

2

Baths

1

Sqft

873

Year Built

1980

Days on Market

2

Property Type

Single Family

HOA/mo

$125

MLS ID

NDP2605444

This property is in Oceanside (92056). View neighborhood stats →

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About This Property

Welcome to this charming single story home in the desirable Peacock Hills 55+ community, featuring a low HOA of just $125 per year. This move-in ready property showcases new luxury vinyl flooring and fresh interior paint completed in May 2026. One bedroom has been thoughtfully converted into a home office with a built-in desk, while still offering ample space for a bed if desired. Step outside to a beautifully landscaped, low maintenance backyard complete with shrubs, a patio cover and relaxing views of the neighborhood and city lights. Conveniently located just approximately eight miles to the ocean and close to shopping, restaurants, golf courses, hospitals and medical offices. Don't miss this wonderful opportunity to enjoy comfort, convenience and coastal living.

Mortgage Calculator

Est. Monthly Payment

$3,585

Principal & Interest$2,756
Property Tax$545
Insurance$159
HOA$125
%($109,000)
%

Location

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Investment Score

49B
Est. Monthly Rent
$2,672
Monthly Cashflow

Rent − PITIA

$-913
Full Cashflow

Incl. vacancy, PM, maint, capex

$-1,982

Mortgage (P+I)
$2,756
Cap Rate
1.70%
Cash-on-Cash
-21.82%
DSCR

Need ≥ 1.25 for DSCR loan

0.75
Break-even Rent
$5,245

NOI (Annual)
$9,291
Price-to-Rent

Lower = better for investors

17.0

* 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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