522 Calle Montecito 113
Ctop 80%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 14, 2026.
Pass at asking: -$2,663/mo full cashflow at 20% down, 7.36% rate.
Works at $193,593 (64% under asking), or at 92% down.
Rent $2,726/mo from 12 leases of 2-bed condos & townhomes within 1 mi ($2,406–$2,733).
Beds
2
Baths
2
Sqft
856
Year Built
1985
Days on Market
—
Property Type
Condo
HOA/mo
$620
MLS ID
260026966SD
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Discover lakeside living in the Lakeshore Villas community of Oceanside! This charming 2-bedroom, 2-bathroom condo offers 856 square feet of comfortable living space with peaceful views of Libby Lake. The thoughtfully designed interior features luxury vinyl plank flooring, an updated kitchen with stainless steel appliances, and updated bathrooms. Step outside onto your spacious private porch, where you can enjoy morning coffee, unwind after a long day, and take in the tranquil lake views. The porch also includes a convenient private laundry area with space for a full-size washer and dryer. Additional features include a private entrance and assigned covered parking. Residents of Lakeshore Villas enjoy a community pool, spa, and landscaped common areas, with HOA services that include water and trash. Conveniently situated near shopping, dining, parks, and major commuter routes, with Oceanside's beautiful beaches and harbor just a short drive away. Whether you're looking for your first home, downsizing, or searching for a coastal North County retreat, this condo offers a wonderful combination of comfort, location, and value.
Mortgage Calculator
Est. Monthly Payment
$4,310
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
$2,726
Comp Average
$2,566
510 Calle Montecito
2bd / 1ba · 806 sqft · Condo
$359K
Est. $2,505/mo
Oceanside
2bd / 2ba · 856 sqft · Condo
$417K
Est. $2,726/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
505 Calle Montecito
2bd / 2ba · 856 sqft · Condo
$425K
Est. $2,507/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 · $2,406–$2,733
Blended 50/50 with the zip's market median ($2,900)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$2,663/mo short at 20% down; 92% down or +$3,458/mo rent closes it.
- Break-even price
- $193,593
- Break-even rent
- $6,184/mo
- Cashflow at 35% down
- −$2,102/mo
- Down payment to break even
- 92%
- Rate to break even
- Not reachable
64% under asking
$3,458/mo above the estimate
$498,640 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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