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403 S Horne St1 / 40 · Click to zoom

About this home

Rare 1920s Spanish Style Beach Bungalow with Unobstructed Ocean Panoramas. Step back in time while enjoying the height of coastal luxury in this impeccably maintained 1920s beach bungalow. Perched at the highest point of a coveted corner lot, this home offers a rare blend of vintage character and modern move-in readiness. Experience true indoor-outdoor living with three expansive decks, each perfectly positioned to capture breathtaking, unobstructed views of the Pacific Ocean. Beyond the stunning vistas, the property is a lush private sanctuary featuring well-established landscaping and productive fruit trees. A detached two-car garage provides ample space for vehicles and beach gear. This is more than just a home; it's a character-filled retreat where history meets the horizon.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$1,500,000 · Apr 2025
📋 Assessed value$1,530,000
💵 Annual tax$3,882
🏫 School districtOceanside Unified School District

MLS #NDP2606960

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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Interest rate %
Loan term (yrs)
Property tax %/yr
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Estimated total monthly payment
$11,151
Principal & interest$9,001
Property tax$1,632
Home insurance$519
Down payment: $356,000Loan: $1,424,000

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