845 Harbor Cliff Way
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845 Harbor Cliff Way #305

D

Oceanside, CA 92054

$799,999

Soft Appraisal Value: $839,300 · 4.7% below estimate

Beds

2

Baths

2.5

Sqft

1,146

Year Built

2005

Days on Market

75

Property Type

Condo

HOA/mo

$470

MLS ID

260002296SD

This property is in Oceanside (92054). View neighborhood stats →

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About This Property

Charming coastal condo in the gated community of Winward, offering ocean views from the home, community pool, low maintenance living. This gated community has lots of guest parking and direct bridge over the I5 to immediate coastal access to beaches, shopping, restaurants, farmers market and more. Home gets wonderful light, ocean breezes and is tastefully updated inside. Two garages, one attached one separate with laundry, perfect for bikes and beach gear. No weekend rentals so it's the best of enjoying the community while still having the ability to rent out 30 days or longer

Mortgage Calculator

Est. Monthly Payment

$5,549

Principal & Interest$4,045
Property Tax$800
Insurance$233
HOA$470
%($160,000)
%

Location

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Investment Score

2D
Est. Monthly Rent
$3,510
Monthly Cashflow

Rent − PITIA

$-2,038
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,512

Mortgage (P+I)
$4,045
Cap Rate
0.80%
Cash-on-Cash
-26.34%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.63
Break-even Rent
$8,071

NOI (Annual)
$6,396
Price-to-Rent

Lower = better for investors

19.0

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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