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4728 Tobar Way

Ctop 80%

Oceanside, CA 92057Neighborhood: North Valley

$699,000

STR closed · inland Oceanside

3 licensed short-term rentals within ½ mile (3 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$3,187/mo full cashflow at 20% down, 7.36% rate.

Works at $282,011 (60% under asking), or at 87% down.

Rent $3,422/mo from 13 leases of 2–4 bed condos & townhomes within 1 mi ($3,197–$3,611).

Beds

Baths

Sqft

1,497

Year Built

2026

Days on Market

Property Type

Townhouse

HOA/mo

$480

MLS ID

OC26175682

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

About This Property

Brand new, energy-efficient home available by Oct 2026! Divine design package. Solar purchase is included. Homeowners will love the open-concept floorplan, spacious primary suite with walk-in closet and main floor bedroom perfect for a guest room or home office. Introducing Pacifica, a new Oceanside, CA community of energy-efficient townhomes priced from the high $600,000s. Each home features Whirlpool® appliances, whole-home blinds, and 60-day quick-close timelines. Enjoy designer-curated finishes, smart home technology, and amenities including pickleball courts, dog park, playgrounds, and BBQ areas—all designed for a vibrant coastal lifestyle. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.

Mortgage Calculator

Est. Monthly Payment

$5,239

Principal & Interest$3,857

Property Tax$699

Insurance$204

HOA$480

Down Payment

%($139,800)

Interest Rate

Loan Term

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 found

This Property

$3,422

Comp Average

$3,504

5665 Tumbleweed Way

3bd / 2.5ba · 1,474 sqft · Townhouse

$699K

Est. $3,534/mo

5531 Old Ranch Rd.

3bd / 2.5ba · 1,365 sqft · Townhouse

$670K

Est. $3,376/mo

4248 Mission Ranch Way

3bd / 3ba · 1,548 sqft · Townhouse

$755K

Est. $3,658/mo

551 Toledo Way

3bd / 3ba · 1,497 sqft · Townhouse

$724K

Est. $3,422/mo

5030 Gavilan Way

3bd / 2ba · 1,479 sqft · Townhouse

$750K

Est. $3,529/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

33C

Est. Monthly Rent

$3,422

13 leases of 2–4 bed condos & townhomes within 1 mi · $3,197–$3,611

Blended 50/50 with the zip's market median ($3,426)

Monthly Cashflow

Rent − PITIA

-$1,818

Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,187

What would make this work?

$3,187/mo short at 20% down; 87% down or +$4,139/mo rent closes it.

Break-even price: $282,011
Break-even rent: $7,561/mo
Cashflow at 35% down: −$2,464/mo
Down payment to break even: 87%
Rate to break even: Not reachable

Mortgage (P+I)

$3,857

Cap Rate

1.44%

Cash-on-Cash

-27.36%

DSCR

Need ≥ 1.25 for DSCR loan

0.65

NOI (Annual)

$10,086

Price-to-Rent

Lower = better for investors

17.0

* 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.

Open Full Calculator

CCashflow−$3,187/mo