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4237 Half Moon Bay Way1 / 26 · Click to zoom

About this home

Welcome to this inviting 3-bedroom, 2-bathroom townhome in the highly desirable Whelan Ranch community, just minutes from Camp Pendleton, Oceansides beaches, cafes, and vibrant main streets. This home is an exceptional opportunity for military buyers, young families, or professionals seeking comfort, convenience, and value in Coastal North County. The open-concept living area is well suited for both everyday living and entertaining, while the modern kitchen features updated appliances. The primary and secondary bedrooms offer comfortable retreats, and the flexible third bedroom is ideal as a home office, guest room, or creative space for todays lifestyle. Additional highlights include a 1-car garage, a quiet, friendly, walkable neighborhood, and access to community amenities including a pool, spa, playground, and park. At only $499,000, this is one of the few opportunities in Coastal North County to own a true 3-bedroom home while enjoying the best of coastal living with convenient commuter access.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$83,500 · Feb 1989
📋 Assessed value$170,801
💵 Annual tax$1,917
🏫 School districtOceanside Unified School District

MLS #NDP2606521

🔥 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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Interest rate %
Loan term (yrs)
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Estimated total monthly payment
$3,126
Principal & interest$2,523
Property tax$457
Home insurance$146
Down payment: $99,800Loan: $399,200

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