785 Harbor Cliff Way #177
Btop 30%Oceanside, CA 92054Neighborhood: Eastside Capistrano
42 licensed short-term rentals within ½ mile (42 whole home), from the cities' license and permit lists of Nov 3, 2026.
No unit in this 32-unit complex holds a short-term rental permit, so nothing shows its HOA allows them. Get the CC&Rs before counting on short-term income.
Pass at asking: -$3,360/mo full cashflow at 20% down, 7.49% rate.
Works at $414,327 (51% under asking), or at 77% down.
Rent $4,748/mo from 8 leases of 3-bed condos & townhomes within 0.5 mi ($4,556–$5,632).
Beds
3
Baths
2.5
Sqft
1,776
Year Built
2006
Days on Market
0
Property Type
Townhouse
HOA/mo
$460
MLS ID
OC26232150
This property is in Oceanside (92054). View neighborhood stats →
About This Property
Welcome to coastal living at its finest in the highly coveted, gated community of Windward! This beautifully reimagined 2-story townhome-style condo offers the community’s most desirable floor plan, masterfully blending beachside proximity with modern comfort.Stepping inside, you are greeted by an elegant, open-concept layout defined by stunning luxury vinyl flooring and high-end real wood shutters throughout—with absolutely no carpeting anywhere. The bright, open kitchen is a chef’s dream, featuring pristine granite countertops, high ceilings, and premium appliances purchased just 7 months ago. Designed for ultimate versatility, the home features 3 spacious bedrooms plus a private office, which can easily be converted into a 4th bedroom by adding a closet. Every bedroom serves as a true retreat, complete with its own dedicated walk-in closet. Take in the coastal breeze and enjoy a peakaboo ocean view from your second-level vantage point.This exceptional residence includes an extended 2-car garage equipped with a 220V EV charging outlet. Living in the resort-style Windward community grants you access to top-tier amenities just steps from your front door, including a sparkling pool, hot tub, an executive clubhouse with billiards available for private events, a basketball court, and dedicated play areas for children featuring a playground and rock-climbing wall. Enjoy peace of mind with a fully gated perimeter and professional evening security on-site daily from 9:00 PM to 5:00 AM. Best of all, you are within easy walking distance to the Oceanside Harbor, pristine local beaches, the train station, and the vibrant dining, breweries, and shops of downtown Oceanside.
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Est. Monthly Payment
$6,308
Location
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Zoned Schools
Elementary
Laurel Elementary · grades K-5 · Oceanside Unified
Middle
Jefferson Middle · grades 6-8 · Oceanside Unified
High
Oceanside 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
$4,748
Comp Average
$5,258
790 Harbor Cliff
3bd / 3.5ba · 1,427 sqft · Townhouse
$859K
Est. $4,797/mo
477 Cleveland Street
3bd / 3.5ba · 2,041 sqft · Townhouse
$1.30M
Est. $6,260/mo
805 Cleveland St
3bd / 2.5ba · 1,656 sqft · Townhouse
$1.10M
Est. $4,822/mo
510 Pacific
2bd / 2ba · 1,372 sqft · Condo
$1.20M
Est. $5,085/mo
435 Cleveland Street
3bd / 3.5ba · 2,041 sqft · Townhouse
$1.35M
Est. $5,324/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
8 leases of 3-bed condos & townhomes within 0.5 mi · $4,556–$5,632
Blended 50/50 with the zip's market median ($4,757)
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$3,360/mo short at 20% down; 77% down or +$4,364/mo rent closes it.
- Break-even price
- $414,327
- Break-even rent
- $9,112/mo
- Cashflow at 35% down
- −$2,470/mo
- Down payment to break even
- 77%
- Rate to break even
- Not reachable
51% under asking
$4,364/mo above the estimate
$654,500 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* 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.
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