2014 Beneteau Oceanis 38 "PAYDIRT", Richmond, CA 94804

16/21

Ability analysis

Everything below is costed to cross the Pacific.

A Offshore run finished but costed no work on this hull, so the money below is withheld rather than estimated. That is a failed run, not a clean boat — re-run it and check why the first came back empty.

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Specifications

All-in, cruising

—

not analysed

All-in, offshore

—

run produced nothing

Length

37.75 ft

Draft

6.83 ft

Capability

5.7 · 5.7

cruising · offshore, of 10

Capability is scored for both standards from the same design research, re-weighted. The money is not: a coastal refit has to be costed on its own, which is why it can read “not analysed” above while the score beside it is real.

Assistant's read — an opinion, not a source

PAYDIRT is a young, fast, exceptionally easy-to-board Bay-area cruiser with unusually strong recent-upgrade claims: 2022/2024 sails, 2023 B&G electronics, 2024 canvas, a 2024 engine/saildrive service and a 2025 starboard-chainplate/deck repair.
Those claims make it wrong to budget a speculative wholesale refit, but the invoices and equipment identities are not published, so the repair scope and offshore adequacy remain unverified.
The design is light, very beamy and optimized for coastal/holiday cruising rather than punishing offshore work; the factory deep keel is credibly 6.83 ft, exceeding the nominal 6.5 ft limit under the user-authorized exception.
At $145,000, California use tax and generic offshore equipment leave little room inside a $170,000 all-in budget, so value depends heavily on the existing electronics, autopilot, rig and repair records surviving specialist inspection.

Costed to cross the Pacific.

Not analysed for Offshore

Nobody has costed what this boat needs to be ready to cross the Pacific. That is not the same as needing nothing, so no figure is shown — a coastal refit is not an offshore one with items removed, and the other way round.

Asking price: $145,000
Systems assessed: 0%
Unknown reserve: $25,113

What is known carries over: 24 system assessments, 26 questions and the capability score are all condition and design rather than intent, so they apply under both standards. This boat has been analysed for Offshore.

See the Cruising analysis