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625 Sumner Way #4
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625 Sumner Way #4

Btop 30%

Oceanside, CA 92058Neighborhood: North Valley

$645,000
STR closed · inland Oceanside

2 licensed short-term rentals within ½ mile (2 whole home), from the cities' license and permit lists of Nov 13, 2026.

Pass at asking: -$2,728/mo full cashflow at 20% down, 7.36% rate.

Works at $287,993 (55% under asking), or at 82% down.

Rent $3,483/mo from 11 leases of 2–4 bed condos & townhomes within 1 mi ($3,232–$3,476).

Beds

3

Baths

2.5

Sqft

1,471

Year Built

2003

Days on Market

63

Property Type

Townhouse

HOA/mo

$481

MLS ID

NDP2608480

This property is in Oceanside (92058). Browse neighborhood analytics →

Virtual Tour

About This Property

Refreshed price! A Beautifully Updated Home Ready for Its Next Owner Elegantly updated Oceanside townhome showcasing a stainless-steel kitchen with walk-in pantry, a stacked-stone fireplace, laminate flooring, and a private patio finished with pavers and garden planters. The upper level features newer carpet, three spacious bedrooms, and a primary suite with a walk-in closet. Additional highlights include a one-car garage and close proximity to the community pool/spa, play area, shopping, schools, Camp Pendleton, and the San Luis Rey bike path to the beach.

Mortgage Calculator

Est. Monthly Payment

$4,873

Principal & Interest$3,559
Property Tax$645
Insurance$188
HOA$481
%($129,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Louise Foussat Elementary · grades K-5 · Oceanside Unified

  • Middle

    Martin Luther King Jr. 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

$3,483

vs

Comp Average

$3,277

4267 Arcata Bay

4267 Arcata Bay

3bd / 2ba · 1,193 sqft · Condo

$500K

Est. $3,300/mo

4237 Half Moon Bay Way

4237 Half Moon Bay Way

3bd / 2ba · 1,147 sqft · Condo

$560K

Est. $3,059/mo

652 Kumquat Way

652 Kumquat Way

3bd / 2ba · 1,269 sqft · Condo

$590K

Est. $3,194/mo

293 Reef Point Way

293 Reef Point Way

4bd / 3ba · 1,569 sqft · Condo

$705K

Est. $3,528/mo

289 Reef Point

289 Reef Point

3bd / 2.5ba · 1,410 sqft · Townhouse

$679K

Est. $3,305/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

41B
Est. Monthly Rent
$3,483

11 leases of 2–4 bed condos & townhomes within 1 mi · $3,232–$3,476

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$1,390
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,728

What would make this work?

$2,728/mo short at 20% down; 82% down or +$3,543/mo rent closes it.

Break-even price

55% under asking

$287,993
Break-even rent

$3,543/mo above the estimate

$7,026/mo
Cashflow at 35% down
−$2,061/mo
Down payment to break even

$528,900 cash

82%
Rate to break even

Negative even at a 0% loan

Not reachable
Mortgage (P+I)
$3,559
Cap Rate
1.87%
Cash-on-Cash
-25.38%
DSCR

Need ≥ 1.25 for DSCR loan

0.71
NOI (Annual)
$12,055
Price-to-Rent

Lower = better for investors

15.4

* 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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BCashflow−$2,728/mo