
521 Calle Montecito #110
Atop 10%Oceanside, CA 92057Neighborhood: North Valley
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: -$1,384/mo full cashflow at 20% down, 7.36% rate.
Works at $168,986 (52% under asking), or at 78% down.
Rent $2,482/mo from 12 leases of 2-bed condos & townhomes within 1 mi ($2,334–$2,652).
Beds
2
Baths
1
Sqft
806
Year Built
1985
Days on Market
93
Property Type
Condo
HOA/mo
$620
MLS ID
260019634SD
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
VERY MOTIVATED SELLER: TOP-FLOOR END UNIT | PRIVATE BALCONY | MOVE-IN READY! Welcome to Lakeshore Villas! This beautifully refreshed 2-bedroom, 1-bath unit offers the privacy, natural light, and easy living you've been looking for. The upper corner location provides abundant sunlight and fewer shared walls, while the peaceful greenbelt setting creates a welcoming backdrop. Inside, you'll find luxury vinyl flooring throughout. The kitchen features granite countertops, while the spacious living and dining areas provide a comfortable layout for everyday living and entertaining. The dining area opens directly to a private balcony overlooking the greenbelt—perfect for morning coffee or relaxing at the end of the day. Both bedrooms are generously sized, offering plenty of room for comfortable furnishings, a home office, or a personal retreat. The primary bedroom includes private access to the bathroom. You'll also appreciate the convenience of private laundry on the balcony with washer and dryer included. Whether you're a first-time buyer, investor, or looking to simplify your lifestyle, this home offers an excellent opportunity to own in Oceanside without the maintenance of a single-family home. Conveniently located near Libby Lake and Park, shopping, dining, schools, Camp Pendleton, and major transportation routes. Don't miss the opportunity to make this one yours!
Mortgage Calculator
Est. Monthly Payment
$3,003
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
$2,482
Comp Average
$2,606
509 Calle Montecito
2bd / 1ba · 806 sqft · Condo
$350K
Est. $2,708/mo

510 Calle Montecito
2bd / 1ba · 806 sqft · Condo
$359K
Est. $2,483/mo
Oceanside
2bd / 2ba · 856 sqft · Condo
$417K
Est. $2,746/mo
513 Calle Montecito
2bd / 2ba · 856 sqft · Condo
$400K
Est. $2,547/mo
502 Calle Montecito
2bd / 2ba · 856 sqft · Condo
$414K
Est. $2,547/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
12 leases of 2-bed condos & townhomes within 1 mi · $2,334–$2,652
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$1,384/mo short at 20% down; 78% down or +$1,797/mo rent closes it.
- Break-even price
- $168,986
- Break-even rent
- $4,279/mo
- Cashflow at 35% down
- −$1,021/mo
- Down payment to break even
- 78%
- Rate to break even
- Not reachable
52% under asking
$1,797/mo above the estimate
$272,999 cash
Negative even at a 0% loan
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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