555 Toledo Way

Ctop 80%

Oceanside, CA 92057Neighborhood: North Valley

$799,500

NEW — 0d

STR closed · inland Oceanside

0 licensed short-term rentals within ½ mile (0 whole home), from the cities' license and permit lists of Nov 3, 2026.

Pass at asking: -$3,563/mo full cashflow at 20% down, 7.49% rate.

Works at $337,540 (58% under asking), or at 84% down.

Rent $4,004/mo from 11 leases of condos & townhomes within 1 mi, size-adjusted ($3,543–$3,927).

Beds

Baths

Sqft

1,765

Year Built

2026

Days on Market

Property Type

Townhouse

HOA/mo

$480

MLS ID

OC26230721

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

About This Property

Brand new, energy-efficient home available NOW! Welcome guests with a comfortable first-floor bedroom and full bath, also perfect for a private home office. The open-concept living area makes entertaining easy, with a chef-inspired kitchen featuring a large island, dedicated dining space, and convenient powder bath. Now selling! Introducing Pacifica, a new Oceanside, CA community of energy-efficient townhomes priced from the high $600,000s with NO MELLO-ROOS. Each home features Whirlpool(r) 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

$5,980

Principal & Interest$4,468

Property Tax$800

Insurance$233

HOA$480

Down Payment

%($159,900)

Interest Rate

Loan Term

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 found

This Property

$4,004

Comp Average

$3,939

4248 Mission Ranch Way

3bd / 3ba · 1,548 sqft · Townhouse

$755K

Est. $3,658/mo

4134 Vela Way

4bd / 3ba · 1,826 sqft · Townhouse

$818K

Est. $4,025/mo

4725 Merida Way

4bd / 4ba · 1,765 sqft · Townhouse

$799K

Est. $4,004/mo

4730 Tobar Way

4bd / 4ba · 1,765 sqft · Townhouse

$799K

Est. $4,004/mo

4720 Tobar Way

4bd / 4ba · 1,765 sqft · Townhouse

$802K

Est. $4,004/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

31C

Est. Monthly Rent

$4,004

11 leases of condos & townhomes within 1 mi, size-adjusted · $3,543–$3,927

Blended 50/50 with the zip's market median ($4,297)

Monthly Cashflow

Rent − PITIA

-$1,976

Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,563

What would make this work?

$3,563/mo short at 20% down; 84% down or +$4,628/mo rent closes it.

Break-even price: $337,540
Break-even rent: $8,632/mo
Cashflow at 35% down: −$2,726/mo
Down payment to break even: 84%
Rate to break even: Not reachable

Mortgage (P+I)

$4,468

Cap Rate

1.66%

Cash-on-Cash

-26.74%

DSCR

Need ≥ 1.25 for DSCR loan

0.67

NOI (Annual)

$13,254

Price-to-Rent

Lower = better for investors

16.6

* Modelled at 20% down, 7.49% 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.

Open Full Calculator

CCashflow−$3,563/mo