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4267 Arcata Bay Way1 / 29 · Click to zoom

About this home

VA Approved! Welcome to this highly sought-after upper-level condo in the desirable Whelan Ranch community of Oceanside. This beautifully upgraded single-level end unit offers privacy with no neighbors above or below, along with convenient access to the community pool. Step onto the inviting patio/deck and into a light-filled home featuring fresh interior paint, luxury vinyl plank flooring, vinyl windows, NEW air-conditioning, and an open-concept layout perfect for modern living. The updated kitchen showcases quartz countertops, white shaker cabinetry, recessed lighting, and stainless steel appliances, including a brand-new dishwasher. The spacious primary suite includes a walk-in closet and an upgraded en-suite bathroom with quartz countertops. The secondary bathroom is equally stylish, offering quartz counters and a full tub/shower combination. For added convenience, the laundry room is located inside the unit. This home also includes a spacious single-car garage directly below the unit plus an additional dedicated parking space. HOA dues cover water, trash, and common area landscaping. Enjoy the best of the Oceanside lifestyle with the beach just 7 miles away. Relax on your private deck, cool off in the community pool, or explore nearby hiking and biking along the San Luis Rey Trail. Whelan Ranch offers a peaceful, secluded atmosphere with mature trees and lush landscaping, while still being conveniently close to Camp Pendleton, the Oceanside Pier and Harbor, golf courses, fishing, shopping, dining, and schools. This rare Oceanside gem combines comfort, style, and location don t miss your chance to call Whelan Ranch home!

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$559,000 · Jul 2024
📋 Assessed value$570,179
💵 Annual tax$6,292
🏫 School districtOceanside Unified School District

MLS #SW26101849MR

🔥 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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Down payment %
Interest rate %
Loan term (yrs)
Property tax %/yr
Home insurance %/yr
Estimated total monthly payment
$3,659
Principal & interest$2,953
Property tax$535
Home insurance$170
Down payment: $116,800Loan: $467,199

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