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5139 Loma Verde, Oceanside, CA, 92056

2beds
2baths
977sqft
$775,000
$793price/sqft
$5,193/moest. monthly cost
$207,720/yrincome needed

About This Home

Discover this rare, single-story twinhome in Oceanside, a meticulously reimagined residence boasting extensive high-end upgrades and the ultimate freedom of having no HOA, no Mello-Roos, and no age restrictions. The bright, open-concept interior immediately impresses with soaring vaulted ceilings and durable luxury vinyl plank flooring that stretches across every room. At the heart of the home sits a chef-inspired kitchen designed for both function and flair, featuring crisp white shaker cabinetry, elegant quartz countertops, and a premium gas range. The space is anchored by a beautiful center island and a stunning designer hood vent that serves as a sophisticated focal point, while the layout flows seamlessly into the living areas for effortless entertaining. Sustainability meets long-term value with energy-efficient dual-paned windows and a robust solar system that keeps utility costs in check. Both spacious bedrooms serve as private retreats, each offering direct sliding-door access to a spectacular resort-style backyard. Situated on an expansive 0.22-acre lot, this outdoor oasis provides a level of privacy and space that is truly hard to find. You’ll find a generous covered patio perfect for al fresco dining, a sprawling open lawn for recreation, and a beautifully landscaped perimeter framed by manicured Italian cypress, tiered retaining walls, and raised garden beds. Whether you are hosting a summer gathering or enjoying a quiet morning in the garden, the scale of this lot offers endless possibilities. Perfectly positioned for a vibrant lifestyle, the home is just moments from the scenic trails of Guajome Regional Park and a quick drive to the beach.

Getting Around

11
WalkingCar-Dependent
26
TransitSome Transit
12
BikeSomewhat Bikeable

Schools

9/10
3/10
Roosevelt Middle SchoolGrades 6-80.4 mi
4/10
Vista High SchoolGrades 9-122.2 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1987

Materials

  • Roof: Shingle
  • Construction materials: Wood/Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Garage Door Opener,Microwave,Refrigerator,Solar Panels,Washer,Gas Oven,Gas Stove,Ice Maker,Vented Exhaust Fan,Gas Range,Gas Water Heater
  • Laundry features: Gas

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Linoleum/Vinyl

Heating & Cooling

  • Heating features: Forced Air Unit
  • Cooling features: Central Forced Air

Interior Area

  • Total structure area: 977
  • Total interior livable area: 977 sqft

Property

Details

  • Parcel number: 1584622500
  • Zoning: R-1:SINGLE
  • Zoning description: R-1:SINGLE

Features

  • Levels: 1 Story
  • Stories: 1
  • Pool features: N/K
  • Patio & porch: Patio
  • Fencing: Wood

Lot

  • Lot size: 9,583 sqft

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Heat Wave
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 $3,918$47,016
Home Insurance *$138$1,656
Property Taxes $739$8,868
Electricity $398$4,786
Total$5,193$62,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$178,045/yr
40% on housing$155,790/yr
45% on housing$138,480/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

$793This listing

vs Other Active Listings

Avg $/sqft

ZIP 92056$414
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92056$535
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)

No zestimate history available

Price History

DateEventPrice
2026-08-16Pending sale$775,000
2026-07-24Listed for sale$775,000
2022-09-28Listing removed--
2022-09-15Listed for rent$3,300
2022-07-11Sold$589,000
2022-06-10Pending sale$598,700
2022-06-08Listed for sale$598,700
2022-06-03Listing removed--
2022-05-30Listed for sale$585,000
1998-07-23Sold$122,000

For Sale by Agent

AgentMary Smylie
BrokerageCompass

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