551 Toledo Way
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 13, 2026.
Pass at asking: -$3,379/mo full cashflow at 20% down, 7.36% rate.
Works at $282,011 (61% under asking), or at 88% down.
Rent $3,422/mo from 9 leases of 2–4 bed condos & townhomes within 0.5 mi ($3,136–$3,500).
Beds
3
Baths
3
Sqft
1,497
Year Built
2026
Days on Market
127
Property Type
Townhouse
HOA/mo
$480
MLS ID
OC26148245
This property is in Oceanside (92057). Browse neighborhood analytics →
About This Property
Brand new, energy-efficient home available by Oct 2026! Homeowners will love the open-concept floorplan, spacious primary suite with walk-in closet and main floor bedroom perfect for a guest room or home office. Large storage room provides great options for sporting equipment, holiday decor, and travel items. No mello-roo's - solar included - Radiant design package Now selling! Introducing Pacifica, a new Oceanside, CA community of energy-efficient townhomes with NO MELLO-ROOS. Each home features Whirlpool® appliances including refrigerator & W/D, whole-home blinds, and 60-day quick-close timelines. Designer-curated finishes, smart home technology, and amenities including pickleball courts, dog park, playgrounds, and BBQ areas—all designed for a vibrant coastal lifestyle. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.
Mortgage Calculator
Est. Monthly Payment
$5,410
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
$3,422
Comp Average
$3,504
5665 Tumbleweed Way
3bd / 2.5ba · 1,474 sqft · Townhouse
$699K
Est. $3,534/mo
5531 Old Ranch Rd.
3bd / 2.5ba · 1,365 sqft · Townhouse
$670K
Est. $3,376/mo
4248 Mission Ranch Way
3bd / 3ba · 1,548 sqft · Townhouse
$755K
Est. $3,658/mo
4728 Tobar Way
3bd / 3ba · 1,497 sqft · Townhouse
$699K
Est. $3,422/mo
5030 Gavilan Way
3bd / 2ba · 1,479 sqft · Townhouse
$750K
Est. $3,529/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
9 leases of 2–4 bed condos & townhomes within 0.5 mi · $3,136–$3,500
Blended 50/50 with the zip's market median ($3,426)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,379/mo short at 20% down; 88% down or +$4,388/mo rent closes it.
- Break-even price
- $282,011
- Break-even rent
- $7,810/mo
- Cashflow at 35% down
- −$2,630/mo
- Down payment to break even
- 88%
- Rate to break even
- Not reachable
61% under asking
$4,388/mo above the estimate
$637,208 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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