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1597 Kelly Street — Oceanside — 3 Beds • 2 Baths • 2,680 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+26 more

$1,485,000

0 DOM

$554/sqft3 bd2 ba2,680 sqft

Call

1597 Kelly St Oceanside, CA 92054

0.17sqft lot

Prime Oceanside Location. Positioned just east of the 5, this spacious home captures ocean and lagoon views in one of Oceanside’s most desirable pockets. Featuring 3 bedrooms plus an optional 4th, this property offers a fantastic, versatile layout with room to make it your own. The primary suite includes two private balconies to take in the views, while the home also boasts a secondary living space/loft with wet bar and fireplace, perfect for entertaining, relaxing, or multi-generational living. With incredible bones, generous square footage, and a layout that truly lives well, this home presents a rare opportunity to create something special in a prime coastal setting.

MLS NDP2603650

760-941-6888 (Office) 951-445-7409 (Cell) Angela@AngelaSpooner.com

Est. payment

$9,489/mo

Principal & interestTaxesInsurance

$7,509$1,547$433

Down %

Rate %

Years

Down payment: $297,000 · Total cost: $3,000,229

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$9,489/mo

Principal & interest: $7,509
Est. property tax: $1,547
Est. insurance: $433
Down payment: $297,000

Est. gross rent$6,188/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-3,301/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.

Virtual Tour

Explore 3D Space

Opens interactive virtual tour

Price History

Event	Date	Price	Change
Listed	Apr 16, 2026	$1,485,000	—

Facts & Features

Transaction Data

Structure & Property

Year Built1985

Garage Spaces2

760-941-6888 (Office) 951-445-7409 (Cell) Angela@AngelaSpooner.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

1597 Kelly Street, Oceanside, CA 92054

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Call

1597 Kelly St Oceanside, CA 92054

About this home

Angela Spooner

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Angela Spooner

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

1597 Kelly Street, Oceanside, CA 92054

About This Property

Property Photos

1597 Kelly St Oceanside, CA 92054

About this home

Angela Spooner

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Angela Spooner

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.