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509 N Horne St1 / 15 · Click to zoom

About this home

An exceptional investment opportunity in the heart of coastal Oceanside. Just minutes from the beach and downtown, 509 North Horne Street offers a versatile three-unit layout with outstanding potential for renovation, expansion, or redevelopment. The property includes over six bedrooms, four bathrooms, and two half baths thoughtfully arranged across a flexible floor plan. The main residence features four bedrooms and two and a half baths, while two fully detached accessory units are positioned at the rear-each paired with its own two-car garage. The generous lot and existing improvements provide a strong foundation for modernization or a complete reimagining into contemporary multi-unit living. Set within one of North County's most dynamic coastal markets, this property blends scale, flexibility, and location-presenting a rare opportunity for investors and developers to shape the next chapter of Oceanside's evolution.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$330,000 · Apr 2001
📋 Assessed value$507,184
💵 Annual tax$5,638
🏫 School districtOceanside Unified School District

MLS #250036867SD

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone
🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

Estimate your monthly payment. Adjust the numbers to fit your budget.

Down payment %
Interest rate %
Loan term (yrs)
Property tax %/yr
Home insurance %/yr
Estimated total monthly payment
$10,619
Principal & interest$8,571
Property tax$1,554
Home insurance$494
Down payment: $339,000Loan: $1,356,000

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.