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3660 Vista Campana N Unit 16, Oceanside, CA, 92057

2beds
1baths
906sqft
$364,900
$403price/sqft
$2,661/moest. monthly cost
$106,440/yrincome needed

About This Home

This is a Fannie Mae HomePath property. Welcome to this beautifully remodeled end unit in the highly desirable 55+ community of Oceana. This turnkey 2-bedroom, 1-bath home has been updated from top to bottom, featuring a new roof, new HVAC system, fully renovated kitchen and bathroom, and new flooring throughout. The enclosed and finished patio provides valuable additional living space, ideal for an office, hobby room, or quiet retreat. A deeded covered parking space with extra storage adds convenience and functionality. Oceana offers a vibrant community lifestyle with amenities including a clubhouse, pool, spa, and social activities. Ideally located just minutes from shopping, dining, golf, and the beautiful Oceanside beaches, this home blends modern comfort with an easy coastal lifestyle. First Time Buyers, complete the HomePath Ready Buyer homeownership course on Homepath.com. Attach certificate to offer up to 3% closing cost assistance. Check HomePath.com for more details. Restrictions apply. Some images in this listing have been virtually staged.

Getting Around

45
WalkingCar-Dependent
36
TransitSome Transit
10
BikeSomewhat Bikeable

Schools

4/10
7/10
El Camino High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: Updated/Remodeled,Turnkey
  • Year built: 1990

Materials

  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven,Electric Range,Microwave,Refrigerator,Dryer,Washer
  • Laundry features: Laundry Closet

Bathroom

  • Features: Remodeled,Separate Shower

Bedroom

  • Features: All Bedrooms Down

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • High Ceilings,Open Floorplan,Stone Counters,All Bedrooms Down,Bedroom on Main Level
  • Flooring: Vinyl
  • Fireplace features: None
  • Finished area below ground: 0
  • Common walls with other units/homes: 1 Common Wall,End Unit,No One Above,No One Below

Heating & Cooling

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

Interior Area

  • Total interior livable area: 906 sqft

Kitchen

  • Features: Stone Counters,Remodeled,Updated Kitchen

Property

Details

  • Parcel number: 1601504000
  • Attached to another structure: Yes
  • Zoning: R-1:SINGLE FAM-RES
  • Special condition: Real Estate Owned

Features

  • Levels: One
  • Stories: 1
  • Entry location: Front door
  • Pool features: Community,Association
  • Patio & porch: Covered,Enclosed,Patio
  • Has spa: Yes
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 1,395 sqft
  • Features: 0-1 Unit/Acre,Planned Unit Development,Value In Land

Parking

  • Total spaces: 1
  • Parking features: Detached Carport
  • Covered spaces: 1
  • 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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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 $1,845$22,140
Home Insurance *$79$948
Property Taxes $339$4,068
Electricity $398$4,786
Total$2,661$31,932
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,234/yr
40% on housing$79,830/yr
45% on housing$70,960/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

$403This listing

vs Other Active Listings

Avg $/sqft

ZIP 92057$353
San Diego County$559

vs Homes Sold Last Month

Median $/sqft

ZIP 92057$468
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
2025-05-27Sold$291,256
2021-04-30Sold$295,000
1999-06-22Sold$71,000

Unknown Listed By

AgentJavier Zapien
BrokeragePlatinum Realty Executives

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