5276 Willow Walk
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5276 Willow Walk

Ctop 80%

Oceanside, CA 92057Neighborhood: North Valley

$1,229,900
STR closed · inland Oceanside

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$5,516/mo full cashflow at 20% down, 7.36% rate.

Works at $508,209 (59% under asking), or at 86% down.

Rent $5,206/mo from 15 leases of 4–6 bed houses within 1 mi, same school area ($4,910–$5,348).

Beds

5

Baths

4

Sqft

3,300

Year Built

2005

Days on Market

98

Property Type

Single Family

HOA/mo

$125

MLS ID

NDP2607417

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

About This Property

Views, Views, Views! Experience Breathtaking Panoramic Views of the Rolling Bonsall Hills and Mature Trees in the Highly Sought-after Arrowood Community. This Exceptional Residence sits on a Premium Lot with Mello-Roos Paid Off, Low HOA ($125) No Neighbor on one Side, providing added Privacy and Tranquility. Designed for both Comfortable Everyday Living and Effortless Entertaining, the thoughtfully Updated Interior Features a Remodeled Kitchen with a Water Filtration System, Spacious Living Areas, and a Cozy Fireplace. Upstairs, a huge Loft offers Endless Possibilities as a Game Room, Media Room, or Home Office. The Oversized Primary Suite is a True Retreat, Complete with a Large Walk-in Closet and an Oversized Private Deck where you can Enjoy your Morning Coffee while taking in the Peaceful Views or Unwind with Spectacular SUNSETS. Step Outside to the Beautiful Backyard featuring a Slate Patio, Relaxing Spa, and a Custom Wood-Fired Pizza Oven—perfect for Entertaining Year-round. Additional Highlights include a 3-car Garage, Low HOA, and Access to Arrowood’s Outstanding Amenities, including a Championship Golf Course, Pickleball Courts, Parks, and Scenic Walking Trails. Conveniently Located near Shopping, Dining, Top-Rated Schools, Major Commuter Routes, & a Short Drive to Oceanside’s Beautiful BEACHES.

Mortgage Calculator

Est. Monthly Payment

$8,499

Principal & Interest$6,786
Property Tax$1,230
Insurance$359
HOA$125
%($245,980)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Bonsall Elementary · grades K-5 · Bonsall Unified

  • Middle

    Norman L. Sullivan Middle · grades 6-8 · Bonsall Unified

  • High

    Bonsall High · grades 9-12 · Bonsall Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Short-term not available here. Outside Oceanside's Coastal Zone: inland short-term rentals are banned. See the rules

Investment Score

15C
Est. Monthly Rent
$5,206

15 leases of 4–6 bed houses within 1 mi, same school area · $4,910–$5,348

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$3,294
Full Cashflow

Incl. vacancy, PM, maint, capex

-$5,516

What would make this work?

$5,516/mo short at 20% down; 86% down or +$7,163/mo rent closes it.

Break-even price

59% under asking

$508,209
Break-even rent

$7,163/mo above the estimate

$12,369/mo
Cashflow at 35% down
−$4,244/mo
Down payment to break even

$1,057,714 cash

86%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,786
Cap Rate
1.49%
Cash-on-Cash
-26.91%
DSCR

Need ≥ 1.25 for DSCR loan

0.61

NOI (Annual)
$18,361
Price-to-Rent

Lower = better for investors

19.7

* 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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CCashflow−$5,516/mo