4660 River Road #130
Atop 10%Oceanside, CA 92057Neighborhood: North Valley
4 licensed short-term rentals within ½ mile (4 whole home), from the cities' license and permit lists of Nov 13, 2026.
Pass at asking: -$501/mo full cashflow at 20% down, 7.36% rate.
Works at $283,381 (19% under asking), or at 41% down.
Rent $2,813/mo: zip market median for this bed count.
Beds
3
Baths
2
Sqft
1,104
Year Built
1977
Days on Market
0
Property Type
Mfd/Mobile Home
HOA/mo
N/A
MLS ID
NDP2610246
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Charming, Updated Home in an ALL-AGE Gated Community with RENT CONTROL and LOW Space Rent of just $523.84 per Month! This super cute and inviting home offers a desirable split-bedroom floor plan, providing added privacy and separation between bedrooms. Built in 1977, this post-HUD home may qualify for preferred financing options! Thoughtfully updated throughout, the home features refinished ceilings, newer interior and exterior paint, updated lighting, newer windows, an updated kitchen and bathrooms, a newer ductless mini-split heating and air conditioning system, and a newer water heater. Step outside onto the spacious wraparound deck overlooking a private, low-maintenance yard beautifully finished with artificial turf and river rock—perfect for relaxing or entertaining! Enjoy an incredible location with easy access to outdoor recreation! Take a stroll to nearby Libby Lake or hop on your bike and cruise to Oceanside Harbor via the nearby San Luis Rey River Bike Trail. This gated, all-age community offers fantastic amenities, including a clubhouse, swimming pool and spa, playground, tennis and basketball courts, and RV parking. Conveniently located near shopping, dining, freeway access, and just minutes from the beach! BONUS: The TV and select furnishings are negotiable, making your move even easier!
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Est. Monthly Payment
$2,376
Location
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Zoned Schools
Elementary
Libby Elementary · grades K-5 · Oceanside Unified
Middle
Cesar Chavez 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
$2,813
Comp Average
$3,132
3631 Brandywine Street
2bd / 1.5ba · 1,050 sqft · Single Family
$413K
Est. $3,354/mo
3521 Pear Blossom Drive
2bd / 2ba · 1,046 sqft · Single Family
$363K
Est. $3,025/mo
4616 River Road
3bd / 2ba · 1,288 sqft · Mfd/Mobile Home
$420K
Est. $2,813/mo
3572 Bartlett Avenue
2bd / 1.5ba · 1,046 sqft · Single Family
$445K
Est. $3,297/mo
3730 Ginger Way
2bd / 2ba · 1,122 sqft · Single Family
$525K
Est. $3,173/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
Zip market median for this bed count
Thin data: no closed leases like this one nearby.
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$501/mo short at 20% down; 41% down or +$651/mo rent closes it.
- Break-even price
- $283,381
- Break-even rent
- $3,464/mo
- Cashflow at 35% down
- −$140/mo
- Down payment to break even
- 41%
- Rate to break even
- 4.56%
19% under asking
$651/mo above the estimate
$143,090 cash
at 20% down
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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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