Oceanside, California · 92057
La Estancia is a 50-unit condo community on Avenida Descanso in east Oceanside, about three miles from Camp Pendleton's San Luis Rey Gate. I'm listing #108 here right now, so these are the questions I answer every week.
La Estancia, October 2026
Dues from 2025 to 2026 MLS listings. VA status from the VA Condo Report, October 19, 2026. Drive time without traffic.
La Estancia was built in 1980: low-rise, two-story buildings at 155, 175 and 195 Avenida Descanso, just off North River Road. Recent listings show the 100-series units on the ground floor and the 200-series units upstairs.
There are two floor plans, a one-bedroom, one-bath at 593 square feet and a two-bedroom, one-bath at 741 square feet. Recent listings show a stacked washer and dryer inside the unit and central air.
At $360 a month, the dues cover water, sewer, trash, landscaping and insurance, per recent listings. Ask for the current budget and reserve study during escrow.
La Estancia is on the VA Condo Report as La Estancia Maintenance Corp. (ID 000312), Accepted Without Conditions. A VA buyer can use their loan here without the HOA going through a new VA review. Your lender confirms the status again before closing.
With full entitlement there's no down payment and no monthly mortgage insurance. HOA dues count in the payment your lender qualifies you on, so I run the numbers with the dues included before you write an offer.
Dara Smith
Dual Active Duty Family · First-Time Buyers on PCS Orders from Okinawa
As first-time homebuyers, he made the VA process look seamless and explained everything to us in great detail. He was working with us from the beginning when we were still overseas in Japan. Being a dual-active military family, I would 100% recommend him. He truly supports and understands the military community and lifestyle, a veteran himself.
From Avenida Descanso, North River Road and Douglas Drive take you to the San Luis Rey Gate in about 5 minutes, roughly 3 miles. The Main Gate off I-5 is about 6 miles, around 10 minutes. Drive times are without traffic or a line at the gate, so plan for more at rush hour.
Straight-line distances, approximate.
La Estancia is in Oceanside Unified. Boundaries go by address, so I confirm the district for every home before you write an offer.
My listing at 175 Avenida Descanso #108 is a two-bedroom, one-bath unit, 741 square feet, listed at $365,000. Recent sales here: $355,000 (October 2025), $325,000 for a one-bedroom (January 2026) and $370,000 (July 2026).
Only a few units sell here each year. Tell me what you're looking for and I'll send new La Estancia listings as soon as they hit the MLS.
The questions I hear most about La Estancia. If yours isn’t here, call or text and ask.
Ask Me a Question$360 a month on 2025 and 2026 listings. Recent listings say the dues cover water, sewer, trash, landscaping and insurance. Ask for the current budget during escrow.
Yes. It's on the VA Condo Report as La Estancia Maintenance Corp. (ID 000312), Accepted Without Conditions, as of October 19, 2026. Your lender confirms it again before closing.
There are two floor plans: 593 square feet for a one-bedroom, one-bath and 741 square feet for a two-bedroom, one-bath.
Recent listings show a stacked washer and dryer inside the unit.
Units here have been rented. California law doesn't let an HOA ban long-term rentals or cap them below 25 percent of units, but it can ban rentals of 30 days or less. Read the CC&Rs before you buy.
About 3 miles, around 5 minutes, to the San Luis Rey Gate, and about 6 miles to the Main Gate, without traffic.
Tell me your budget and your timeline. I'll walk you through the payment with dues, the HOA documents and the VA steps.
Prefer to call? (619) 485-8293
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