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Yes. Belmont Brokerage Inc. operates under California Department of Real Estate (DRE) license #02431308. Listings shown from the MLS follow participating board rules, including attribution and IDX display requirements.

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22 Oriole Lane — Oceanside — 2 Beds • 2 Baths • 1,332 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+53 more

$385,000

1 DOM

$289/sqft2 bd2 ba1,332 sqftHOA ~185/mo

Call

22 Oriole Ln Oceanside, CA 92057

26.86acre lot

Coastal Living Meets Financial Freedom! Welcome to this beautifully maintained 2-bedroom, Plus Bonus Room, Could Be office or Den or guest room. 2-bathroom home located in the premier 55+ community of San Luis Rey Homes. This is the one you’ve been waiting for: a resident-owned Co-Op community where you OWN THE LAND—no space rent and no land lease here! Step inside this light and bright 1,332 sq. ft. residence (built in 2006) to find an open-concept floor plan that feels like a traditional home. The spacious living and dining areas flow seamlessly, perfect for hosting friends or relaxing in the coastal breeze. The primary suite offers a peaceful retreat with a private bath, while the guest bedroom is ideal for an office or hobby space. The "Deal": This unique community is resident-owned, providing incredible stability and a true sense of neighborhood. Your low monthly fee includes water, trash, and sewer, making coastal living more affordable than ever. The Location: Located just 4.5 miles from the Pacific Ocean, you are minutes away from the Oceanside Harbor, world-class beaches, and the historic Mission San Luis Rey. Enjoy the gated security and resort-style amenities including a sparkling pool, clubhouse, and social activities. Don't settle for a lease when you can own your piece of the California coast. This is a rare opportunity for a modern, 2006-built home in a community where you truly have a stake in the land!

MLS NDP2603514

619-737-2126 (Office) 858-518-2875 (Cell) bmattonen@gmail.com

Est. payment

$2,645/mo

Principal & interestTaxesInsuranceHOA

$1,947$401$112$185

Down %

Rate %

Years

Down payment: $77,000 · Total cost: $777,837

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$2,645/mo

Principal & interest: $1,947
Est. property tax: $401
Est. insurance: $112
HOA (normalized / mo): $185
Down payment: $77,000

Est. gross rent$1,604/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)$-1,041/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.