5186 Cobalt Way , Oceanside, CA 92057
$989,000
Est. Payment: $5,428.00/mo
5 Bed
3 Bath
2952 Sqft
0.13 Acres
Status: Active | Days on site: 4
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11967 - 112875,125527
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House Description

This beautiful and spacious home is nestled in the desirable Sycamore Springs community of Oceanside, offering everything you need — a comfortable and functional layout, drought-friendly and low-maintenance outdoor spaces, and income potential with the private in-law studio. The inviting floorplan provides plenty of room to relax and gather, with comfortable spaces designed for everyday living and entertaining. The well-appointed kitchen and open living room create a warm atmosphere that makes you feel right at home. Enjoy lower electric bills with the solar panels (leased) and Tesla backup batteries! Additional features include a water softener & filtration system with on-demand alkaline water in the kitchen, a whole house fan, ground floor bedroom & bathroom, and other smart upgrades that provide the comfort you desire. The private downstairs studio in-law offers added flexibility, giving you options to personalize the space to fit your needs! It flows easily into the main part of the home, or can be kept separate for ultimate privacy, so whether you’re looking for additional income potential, a private retreat for family members and guests, or a dedicated home office, this unique space adds incredible value. Community features include a low HOA fee (only $154/mo!), and great amenities including a sparkling pool and hot tub, playground, basketball courts, and picnic area. And Luiseno Park is also only a few blocks away! This neighborhood provides a welcoming setting, with convenient access to local shopping, dining, schools, and parks. And it’s just a short trip to get to your favorite Oceanside beaches, shops, Arrowood Golf Course and Highways 76 and I-5. It's a perfect blend of space, convenience, and modern upgrades, all waiting for you!

Highlights

Listed by Frances Mouser , 760-310-4849 and Kathy Goodrich-Bader , 760-672-3682 eXp Realty of California, Inc , 888-584-9427. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.13

HOA Fee

154 Monthly

Year Built

2003

County

San Diego

Area

92057 - Oceanside

School District

Oceanside Unified

Listing ID

NDP2608719

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Dishwasher, Disposal, Gas Range, Ice Maker, Microwave, Refrigerator, Water Softener, Water To Refrigerator
Air Cond:Central Air,Whole House Fan
Fireplaces:Living Room
Floor:Vinyl
Other:
  • ▪ Additional:Bedroom on Main Level, Entrance Foyer, Primary Suite, Walk-In Closet(s)

Exterior Features

Lot:Near Public Transit,No Land Lease
Garage Capacity:5
Zoning:R-1:Single Fam-Res
Sewer:Public Sewer
Parking Features:Driveway,Garage
Principal Interest
$5,428
Taxes
$630
HOA
$154

Home Price

$989,000

Loan Details

30 yrs
7.307%

Down Payment

20%
$197,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$5,428.00

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,428.00 $630.49 $154.00 $6,212.49
Yearly $65,136.02 $7,565.85 $1,848.00 $74,549.87
Total $1,954,080.54 $226,975.50 $55,440.00 $2,236,496.04

Today's Rates

30 Year

7.31%

20 Year

7.2%

15 Year

6.65%

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Market insight data is pulled from the same city as the listing being viewed (Oceanside, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-10-03T19:10:48.000Z

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