6550 Ponto Dr #78, Carlsbad, CA — $199,000

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About this home

$199,000. Across the street from Carlsbad State Beach. Yes, really. Walk out your door and you're steps from the Pacific. Mornings on the beach. Evenings watching the sun drop into the ocean. This is the actual daily life here. Move-in ready 2 bed, 1 bath, 960 sqft home. Updated kitchen with white cabinetry, tile backsplash, built-in workspace. In-unit stackable W/D. Private outdoor space with 2 storage sheds and covered parking for 3 vehicles. Community: heated pool, spa, bocce ball, game room, clubhouse. Steps from Poinsettia Coaster station. No property taxes. No HOA. Monthly land lease $3,350 includes all community amenities. Beach living in Carlsbad at this price doesn't last.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk

📋 Assessed value$30,026

💵 Annual tax$240

🏫 School districtCarlsbad Unified School District

MLS #260010633SD

🔥 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

$1,247

Principal & interest$1,006

Property tax$182

Home insurance$58

Down payment: $39,800Loan: $159,200

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