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4925 Siesta Drive
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4925 Siesta Drive

Atop 10%

Oceanside, CA 92057Neighborhood: North Valley

$739,900
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: -$2,532/mo full cashflow at 20% down, 7.36% rate.

Works at $408,693 (45% under asking), or at 70% down.

Rent $4,056/mo from 9 leases of 2–4 bed houses within 1 mi ($3,636–$4,016).

Beds

3

Baths

2

Sqft

1,496

Year Built

1964

Days on Market

56

Property Type

Single Family

HOA/mo

N/A

MLS ID

NDP2608722

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

Virtual Tour

About This Property

3 bed, 2 full bath with 2-car garage. Spacious floor plan gives you both a living room and family room plus a cozy fireplace. Fully remodeled kitchen with plenty of cabinet space and newer appliances. Newer upgraded fixtures and dual-pane windows throughout. Both baths completely redone with designer tile, fixtures. lighting and wainscoting. Skylight and whole-house fan keep it bright and comfortable. Step outside to your private backyard and the star of the show—a just-renovated heated in-ground pool and spa. Move-in ready and fully upgraded. Libby Elementary 8/10 rating within walking distance from home.

Mortgage Calculator

Est. Monthly Payment

$5,038

Principal & Interest$4,082
Property Tax$740
Insurance$216
%($147,980)
%
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

$4,056

vs

Comp Average

$3,749

3902 Vista Campana

3902 Vista Campana

2bd / 2ba · 1,527 sqft · Single Family

$599K

Est. $3,561/mo

1683 Bronco

1683 Bronco

3bd / 2.5ba · 1,543 sqft · Single Family

$765K

Est. $3,939/mo

305 Trunks

305 Trunks

3bd / 2ba · 1,352 sqft · Single Family

$750K

Est. $3,663/mo

4724 Ventana Way

4724 Ventana Way

3bd / 2.5ba · 1,532 sqft · Single Family

$835K

Est. $3,762/mo

4025 Ivey Vista Way

4025 Ivey Vista Way

3bd / 2.5ba · 1,438 sqft · Single Family

$850K

Est. $3,822/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

56A
Est. Monthly Rent
$4,056

9 leases of 2–4 bed houses within 1 mi · $3,636–$4,016

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$982
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,532

What would make this work?

$2,532/mo short at 20% down; 70% down or +$3,288/mo rent closes it.

Break-even price

45% under asking

$408,693
Break-even rent

$3,288/mo above the estimate

$7,344/mo
Cashflow at 35% down
−$1,766/mo
Down payment to break even

$517,930 cash

70%
Rate to break even

Negative even at a 0% loan

Not reachable
Mortgage (P+I)
$4,082
Cap Rate
2.84%
Cash-on-Cash
-20.53%
DSCR

Need ≥ 1.25 for DSCR loan

0.81
NOI (Annual)
$21,041
Price-to-Rent

Lower = better for investors

15.2

* 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−$2,532/mo