4345 Shoreline 3, Oceanside, California 92056, Oceanside, 92056 - 2 bed, 3 bath
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Oceanside, California 92056
This Upgraded St. Cloud Townhome is listed at $839,999, positioned competitively near its $822,129 Fair Market Value. The property’s primary advantage is a rare 2.65% Assumable VA Loan, offering substantial long-term savings in a high-rate market. Boasting a Good Condition Rating, the interior features a Granite Kitchen and a spacious loft suitable for a third bedroom. The residence includes one of the community's Largest Patios with Artificial Turf and a relaxing Pool View. Located within the Oceanside Unified District, this turnkey home is ideal for VA-Eligible Buyers or Owner-Occupants prioritizing lifestyle and financial efficiency.
Comparables within 1 miles sold in recently
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 4345 Shoreline 3 Subject | $839,999* List Price | 2 | 3 | 1,944 | $423 | - |
A 4372 Pacifica Way 6 Sold | $850,000 | 3 | 3 | 1,895 | $449 | 0.1 mi |
B 4302 Pacifica Way 2 Sold | $850,000 | 3 | 3 | 1,783 | $477 | 0.2 mi |
C 4347 Harbor Way 4 Sold | $795,000 | 3 | 4 | 1,724 | $461 | 0.1 mi |
D 4740 Via Escala Sold | $860,000 | 4 | 3 | 2,095 | $411 | 0.7 mi |
E 1205 Via Lucero Sold | $830,000 | 4 | 4 | 1,824 | $455 | 0.5 mi |
F 4329 Star Path Way 2 Pending | $875,000 List Price | 3 | 3 | 1,783 | $491 | 0.0 mi |
* Subject property listed price vs sold prices of comps.
Property is move-in ready.
Built in 2007, this property is move-in ready and fits the 10-20 year age criteria for a 'good' condition rating. The home shows clear pride of ownership with several high-quality updates, including a renovated primary walk-in shower and new stainless steel kitchen appliances (oven and dishwasher). While the wood cabinetry and certain tile surfaces reflect the original 2007 style, they are well-maintained. The addition of granite countertops, custom backsplashes, epoxy garage flooring, and a premium artificial turf patio further supports its status as a well-kept, updated residence with no immediate renovation required.
The property features a rare assumable VA loan at a 2.65% interest rate, providing a significant competitive advantage and substantial monthly savings in the current high-rate market.
Boasting 1,944 square feet, this is one of the largest floor plans in the community and includes a flexible loft space that can easily be converted into a third bedroom or executive home office.
The home offers one of the largest patio footprints in the St. Cloud community, featuring a covered area and premium artificial turf, perfect for entertaining and enjoying the Oceanside climate.
Bedroom count discrepancy between mls listing and other public or private record. mls listing bedroom count = 2, other record bedroom count = 3.
Despite the large square footage, the home is officially configured as a two-bedroom, which may limit its appeal to larger families compared to traditional three-bedroom residences.
As a condominium, the property carries a $345 monthly association fee, which increases the total monthly debt-to-income ratio for prospective buyers compared to non-HOA properties.
Welcome to this beautifully upgraded townhome located in the highly desirable gated community of St. Cloud at Ocean Ranch. Owned and meticulously cared for, this home showcases true pride of ownership throughout. Featuring one of the largest floor plans in the community, the layout offers exceptional versatility with two spacious living areas plus an additional loft that can easily be converted into a third bedroom, home office, or flex space to suit your needs. The kitchen has been tastefully upgraded with granite countertops, a custom tile backsplash, and stainless steel appliances, including a recently added brand new oven and dishwasher. The open design flows seamlessly into the main living spaces, creating an ideal setup for both everyday living and entertaining. The primary suite offers a comfortable retreat with a beautifully upgraded walk-in shower and a walk-in closet complete with custom storage. Additional upgrades include an epoxy-finished garage with built-in storage cabinets, adding both function and convenience. Step outside to enjoy one of the largest outdoor patio spaces in the community, featuring a covered patio and low-maintenance artificial turf—perfect for relaxing, entertaining, or enjoying the coastal lifestyle. Ideally located near community amenities, award-winning schools, shopping, dining, and just a short drive to the beach.
No exterior & parking available.
No sensitive facilities data found.
| Feature | Subject | Average Home | Neighborhood Ranking (50 Listings) |
|---|---|---|---|
| Beds | 2.0 | 2.0 | 50% |
| Baths | 3.0 | 2.0 | 80% |
| Square foot | 1,944 | 1,141 | 92% |
| Lot Size | 24,043 | 0.2 | 81% |
| Price | $840.0K | $693.8K | 70% |
| Price per sq ft | $432 | $523 | 14% |
| Built year | 2007 | 1989 | 80% |
| HOA | $345.0 | $425 | 16% |
| Days on market | 13 | 151 | 7% |
Apr 9, 2026
$839,999
Initial Listing
Aug 30, 2021
$715,000
Public Record
Feb 27, 2020
$515,000
Public Record
Mar 9, 2017
$3,600,000
Public Record