540 Barnwell Street

540 Barnwell Street

D

Oceanside, CA 92054

$919,000
NEW — 4d on market

Soft Appraisal Value: $909,600 · 1.0% above estimate

Beds

3

Baths

2

Sqft

1,430

Year Built

1957

Days on Market

4

Property Type

Single Family

HOA/mo

N/A

MLS ID

ND26058823

View on MLS

Description

Welcome to the Oceanside lifestyle at this classic bungalow in the desirable Loma Alta neighborhood. Located only two miles from beautiful Oceanside beaches, restaurants and pier. Less than a mile to Goat Hill Park golf course and walking distance to Buddy Todd park. This charming home is situated on a large 10,800sf lot, with off street parking for 8 vehicles, new white interior paint, newly refinished original real hardwood floors, newly refinished Saltillo tiles in kitchen, new roof in 2025, 2 year old water heater, new recessed LED lighting throughout, newly updated in home laundry room, new bathroom vanity, updated stone shower surround and a two year old oven/range. A key feature is the third bedroom and second bathroom being a detached casita with a separate full bathroom. The entire lot is complemented by mature landscaping with large trees creating a peaceful and private atmosphere. The newer Trex Deck on rear of home has great views of the backyard and hills. There is also a detached finished shed that could serve as a home office. With freeway access moments away, you're perfectly positioned for the ultimate coastal experience.

Mortgage Calculator

Est. Monthly Payment

$5,834

Principal & Interest$4,647
Property Tax$919
Insurance$268
%($183,800)
%

Investment Score

9D
Est. Monthly Rent
$5,077
Monthly Cashflow

Rent − PITI − HOA

$-757
Full Cashflow

Incl. vacancy, PM, maint, capex

$-2,691

Mortgage (P+I)
$4,647
Cap Rate
2.55%
Cash-on-Cash
-17.57%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.87
Break-even Rent
$8,571

NOI (Annual)
$23,477
Price-to-Rent

Lower = better for investors

15.1

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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