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1409 S Pacific St, Oceanside, CA, 92054

9beds
5baths
3,881sqft
$6,498,800
$1,675price/sqft
$40,689/moest. monthly cost
$1,627,560/yrincome needed

About This Home

Rare Oceanfront Sanctuary in Oceanside, California – Short-Term Rental Option Available Seller Financing Opportunity: 30% Down, 4% Interest-Only Co-Ownership 1/3 or 2/3 Considered for Qualified Buyers Why settle for distant glimpses of the sea when you can claim direct, private frontage on the sand? This exceptional single-family oceanfront residence in San Diego County's coveted coastal enclave delivers an unparalleled beachfront lifestyle. Nestled directly on the Pacific, this expansive 8-bedroom (with optional office/9th bedroom) and 4.5-bath home offers extraordinary versatility, generous space, and breathtaking ocean immersion. Main Level An open and inviting layout showcases a spacious gourmet galley kitchen, elegant dining area, expansive great room, two full bathrooms, convenient laundry room, a versatile bedroom, and a sweeping ocean-view deck perfect for al fresco dining and sunset gatherings. Upper Level Retreat to four additional bedrooms, including a luxurious primary suite featuring a cozy fireplace, private oceanfront deck, and expansive windows and sliding doors that frame mesmerizing panoramic Pacific vistas. A laundry closet and flexible office space complete this serene upper sanctuary. Beach Level Designed for effortless entertaining and relaxation, this lower level includes three bedrooms, a full bath, a sophisticated beach bar with sink and wine refrigerator, a secondary efficiency kitchen, a warming fireplace, and a vast open entertainment area. Step directly onto your private deck featuring built-in seating, an outdoor surf shower, a fire pit for evening ambiance, and exclusive stairs leading to your own secluded stretch of beach. A thoughtful lock-out feature between the main and upper levels allows for flexible living arrangements or premium rental income potential. Throughout the home, bright, airy interiors are complemented by abundant storage and approximately 400 square feet of oceanfront deck space for seamless indoor-outdoor living. Additional highlights include a single-car garage, carport, off-street parking, negotiable furniture package, and no HOA fees or special assessments—true freedom in a prime location. Just moments from boutique shopping, acclaimed dining, and Oceanside's vibrant coastal scene. This is more than a home—it's a private beach paradise where every day unfolds to the rhythm of the waves. An extraordinary, once-in-a-lifetime opportunity awaits the discerning buyer seeking unmatched oceanfront luxury.

Getting Around

54
WalkingSomewhat Walkable
43
TransitSome Transit
51
BikeBikeable

Schools

4/10
Lincoln Middle SchoolGrades 6-81.3 mi
5/10
Oceanside High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Repairs Cosmetic,Updated/Remodeled
  • Year built: 1970

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Washer Hookup,Gas Dryer Hookup,Inside,Laundry Room,See Remarks

Bedrooms & Bathrooms

  • Bedrooms: 9
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Family Room

  • Features: Separate Family Room

Features

  • Bedroom on Main Level,Galley Kitchen,Multiple Primary Suites,Primary Suite,Walk-In Closet(s)
  • Fireplace features: Family Room,Living Room,Primary Bedroom,See Remarks
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: None

Interior Area

  • Total interior livable area: 3,881 sqft

Master Bedroom

  • Features: Multiple Primary Suites

Other

  • Features: Walk-In Closet(s)

Property

Details

  • Parcel number: 1530120400
  • Zoning: Zoned R-T
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Entry location: street
  • Pool features: None
  • Fencing: Partial
  • Has view: Yes
  • View description: Ocean,Panoramic
  • Has water view: Yes
  • Water view: Ocean
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 3,920 sqft
  • Features: Waterfront

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached,Carport
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Coastal Flooding
Earthquake
Heat Wave
Inland Flooding
Wildfire

FEMA Declared Disasters in San Diego County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $32,861$394,332
Home Insurance *$910$10,920
Property Taxes $6,086$73,032
Electricity $832$9,986
Total$40,689$488,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,395,051/yr
40% on housing$1,220,670/yr
45% on housing$1,085,040/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,675This listing

vs Other Active Listings

Avg $/sqft

ZIP 92054$651
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92054$681
San Diego County$576

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2025-09-12Listed for sale$5,950,000
2022-11-23Sold$4,900,000
2022-11-01Pending sale$5,395,000
2022-10-30Contingent$5,395,000
2022-10-14Price change$5,395,000
2022-10-03Price change$5,495,000
2022-09-23Price change$5,750,000
2022-06-01Price change$5,999,000
2022-05-08Listed for sale$6,450,000
2021-09-25Listing removed--
2021-06-04Listed for sale$6,995,000
2010-01-28Sold$2,800,000
2009-10-19Price change$2,995,000
2009-09-12Price change$3,249,000
2009-06-12Price change$3,595,000
2009-04-29Listed for sale$3,599,000
2003-10-09Sold$2,000,000
1996-06-21Sold$625,000

For Sale by Agent

AgentJulie Koleszar
BrokerageFirst Principles RE

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