845 Harbor Cliff Way #305, Oceanside, CA — $799,500

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About this home

Charming coastal condo in the gated community of Winward, offering ocean views from the home, community pool, low maintenance living. This gated community has lots of guest parking and direct bridge over the I5 to immediate coastal access to beaches, shopping, restaurants, farmers market and more. Home gets wonderful light, ocean breezes and is tastefully updated inside. Two garages, one attached one separate with laundry, perfect for bikes and beach gear. No weekend rentals so it's the best of enjoying the community while still having the ability to rent out 30 days or longer

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneA99 / High Risk

🏷 Last sold$557,500 · Oct 2005

📋 Assessed value$777,040

💵 Annual tax$8,558

🏫 School districtOceanside Unified School District

MLS #260002296

🔥 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

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VA loan (no PMI)

Estimated total monthly payment

$5,009

Principal & interest$4,043

Property tax$733

Home insurance$233

Down payment: $159,900Loan: $639,600

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