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3902 Vista Campana N 12 — Oceanside — 2 Beds • 2 Baths • 1,292 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+30 more

$749,900

56 DOM

$580/sqft2 bd2 ba1,292 sqftHOA ~664/mo

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3902 Vista Campana N 12 Oceanside, CA 92057

2,233sqft lot

One of a kind single story detached home in the coveted 55+ Oceana XIV community boasting 2 bedrooms, 2 full bathrooms, and 1292 square feet of living pace. Located in one of the most desirable areas, this meticulous light and bright unit features an open floorplan and upgrades galore. Be amazed by the chef's kitchen, with Quartzite counters, dine in island, stainless steel appliances and plenty of cabinet storage space. Enjoy sunsets galore with fantastic panoramic western VIEWS (Ocean views on a clear day) with a relaxing patio area make this property a truly remarkable home. Entertain friends and family from the front courtyard patio including bar sitting, a pass through window and a perfect spot to enjoy the beautiful summer nights. The property features energy efficiency throughout the home including 12 owned solar panels and Tesla wall battery backup in the garage. The Oceana features resort-style living with beautifully maintained grounds, pool, pickleball courts, spacious lounge area and community activities plus HOA fees include basic cable, internet, water, and trash. Conveniently located to shopping, restaurants, harbor, beaches and more. 3902 Vista Campana North #12 is retirement living at its finest and not to be missed!

MLS NDP2601615

760-496-0760 (Office) 858-922-6882 (Cell) jackie@ploetzteam.com

Est. payment

$5,456/mo

Principal & interestTaxesInsuranceHOA

$3,792$781$219$664

Down %

Rate %

Years

Down payment: $149,980 · Total cost: $1,515,065

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$5,456/mo

Principal & interest: $3,792
Est. property tax: $781
Est. insurance: $219
HOA (normalized / mo): $664
Down payment: $149,980

Est. gross rent$3,125/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)$-2,331/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

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Price History

Event	Date	Price	Change
Listed	Feb 19, 2026	$749,900	—

Facts & Features

Transaction Data

HOA Fee$664/monthly

Structure & Property

Year Built1972

Garage Spaces2

760-496-0760 (Office) 858-922-6882 (Cell) jackie@ploetzteam.com

Sale & Tax History

No Recent Sales History

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

Location

3902 Vista Campana N 12, Oceanside, CA 92057

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3902 Vista Campana N 12 Oceanside, CA 92057

About this home

Jackie Lowery

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Jackie Lowery

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

3902 Vista Campana N 12, Oceanside, CA 92057

About This Property

Property Photos

3902 Vista Campana N 12 Oceanside, CA 92057

About this home

Jackie Lowery

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Jackie Lowery

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.