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4658 Calle Del Palo1 / 14 · Click to zoom

About this home

Welcome to this charming, owner-occupied home that has been lovingly maintained and thoughtfully upgraded over the years. Offering a warm and inviting atmosphere, this property is the perfect opportunity for a first-time homebuyer, young family, or anyone looking to own instead of rent. The functional single-level floor plan provides comfortable everyday living, while the tasteful updates make the home move-in ready with room to add your own personal style over time. Step outside to enjoy a private fenced backyard, ideal for children, pets, entertaining, or relaxing in your own outdoor space. One of the home's biggest advantages is no HOA and no Mello-Roos, helping keep monthly ownership costs low. Additional features include an attached one-car garage and a convenient location close to shopping, schools, parks, beaches, and commuter routes.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$545,000 · Apr 2023
📋 Assessed value$578,356
💵 Annual tax$6,389
🏫 School districtOceanside Unified School District

MLS #260017777SD

🔥 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
$3,753
Principal & interest$3,029
Property tax$549
Home insurance$175
Down payment: $119,800Loan: $479,200

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