4345 Shoreline Unit 3, Oceanside, CA 92056

Assumable VA loan at an incredible 2.65% interest rate offers a rare opportunity to secure significantly below-market financing! 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.