Tips From an Oceanside Realtor: Buying an Oceanfront Home

luxurious living room

Getting a beachside house is more than just acquiring a property — it’s about making a dream come true. It bears saying, though, that purchasing an oceanfront home is nothing like buying a standard home. That’s why Mick Booz and Tina Polansky, leading Oceanside realtors, have prepared this handy guide for you.


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Tips on buying an oceanfront home from Oceanside realtors Mick and Tina

Needless to say, purchasing a beachfront property is a huge investment. To help you make the right decision, here are crucial but often overlooked factors you must keep in mind:

  • Be clear about your motivations — Reputable Oceanside realtors usually ask buyers why they want a beachside home in the first place. Are you using it as your primary residence? Will it serve as a vacation home? Is it going to be rented out while you’re not using it? Once you’re clear about your motivations, it’s easier to decide if owning an oceanfront house is worth your time and money.

  • Consider the property’s elevation —By and large, newer oceanfront properties tend to be built at higher elevations. This detail is crucial because the higher the elevation, the greater your hedge against flooding and water damage. Of course, such forward-thinking comes at a cost — beachfront homes with higher elevations also command higher price tags.

  • Ask about water activities —Easy access to the water is one of the biggest perks of owning an oceanfront property. That said, you should inquire about which activities can actually be enjoyed in the area. If you love swimming, for instance, the water quality should be excellent. Do you love boating? Make sure the shore is deep enough for your water vessel and that there is a suitable dock.

  • Prepare for larger insurance costs —There are no two ways about it: coastal properties are riskier to insure than inland homes. So when looking at properties, ask the current owners about the cost of insurance to avoid buyer’s remorse. Do note that depending on the area, you may need to take out multiple policies, including those that cover flood and wind damage (on top of protection for the property itself).

  • Work out your finances —Are you buying a beach house as a second home? Then your finances must be on point. Assuming your current house has yet to be paid off, you’ll find yourself paying two mortgages simultaneously, which can be a burden if you don’t have a realistic budget. Luckily, you can borrow against your first home’s equity to finance part of the cost. If you’re taking out a conventional loan to make up the difference, banks will require you to have a higher credit score (at least 725) before approving your mortgage application.

Looking for your dream oceanfront home in Oceanside?

As leading Oceanside realtors will tell you, there are plenty of amazing listings available in the locale. Below is just a sample of the stunning homes on offer:

1105 S. Pacific Street

1105 S. Pacific Street
Oceanside, California 92054
4 bedrooms | 5 bathrooms | 3,765 square feet

Views don’t get more panoramic than those offered by this custom-built home. Owning this property means getting unfettered views and easy access to the majestic Pacific Ocean. This listing comes with a beautiful deck and a private staircase leading down to the water. The classic chandelier in the foyer also makes entering this house a truly grand experience.

1101 S. Pacific Street

1101 S. Pacific Street
Oceanside, California 92054
5 bedrooms | 7 bathrooms |  4,007 square feet

This listing is the perfect choice whether you’re a full-time occupant or a property investor because each of the three floors can serve as discrete living quarters for tenants or loved ones. Even better, each of the “units” has its own kitchen and private laundry. The star of the show, of course, is the glass-enclosed deck which has white-water views of the ocean. There’s even a gas-powered fire pit so you can stay warm while stargazing in the evening.

1409 S. Pacific Street

1409 S. Pacific Street
Oceanside, California 92054
9 bedrooms | 5 bathrooms |  3,881 square feet

Is there anything more luxurious than having a private beach? Luckily, this deluxe property offers just that! Of course, there’s plenty more to love about this abode, from its large galley kitchen, to its beach bar, to its 400 square-foot deck that overlooks the ocean.

Hire only the best Oceanside realtors!

Eager to own a beachfront property? Then be sure to work with Mick Booz and Tina Polansky. As proof of the team’s excellence, the two have consistently ranked among Coldwell Banker Realty’s top performers in the area. Furthermore, the pair has received the Sterling Society Award for being part of the company’s top 11% of agents internationally. Mick and Tina are proud members of the Institute for Luxury Home Marketing and the Million Dollar Guild, too.

To get in touch with the pair, simply call 858.822.9459or use the contact page.



Mick and Tin
Email : Mick(at)MickAndTinaHomes(dotted)com Phone : 760.505.5554 CA DRE# 01389333
Email : Tina(at)MickAndTinaHomes(dotted)com Phone : 858.822.9459 CA DRE# 01216300
Address : 1472 Encinitas Blvd., Encinitas, CA 92024
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