785 Harbor Cliff Way #177
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785 Harbor Cliff Way #177

Btop 30%

Oceanside, CA 92054Neighborhood: Eastside Capistrano

$850,000
NEW — 0d
STR: check · no permits in this complex · TOT 10%

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.

Mortgage Calculator

Est. Monthly Payment

$6,308

Principal & Interest$4,750
Property Tax$850
Insurance$248
HOA$460
%($170,000)
%
Loan Term

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.

Investment Score

40B
Est. Monthly Rent
$4,748

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)

Monthly Cashflow

Rent − PITIA

-$1,560
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,360

What would make this work?

$3,360/mo short at 20% down; 77% down or +$4,364/mo rent closes it.

Break-even price

51% under asking

$414,327
Break-even rent

$4,364/mo above the estimate

$9,112/mo
Cashflow at 35% down
−$2,470/mo
Down payment to break even

$654,500 cash

77%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$4,750
Cap Rate
2.30%
Cash-on-Cash
-23.72%
DSCR

Need ≥ 1.25 for DSCR loan

0.75

NOI (Annual)
$19,524
Price-to-Rent

Lower = better for investors

14.9

* 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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BCashflow−$3,360/mo