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7432 Exotic Garden Dr, Cambria, CA, 93428

6beds
7baths
9,802sqft
$3,900,000
$398price/sqft
$26,051/moest. monthly cost
$1,042,040/yrincome needed

About This Home

A one-of-a-kind investment on 3.05 acres along the stunning coastal landscape of Cambria, this property features a 6,662 sq. ft. restaurant space, a 2,453 sq. ft. private residence, and a 687 sq. ft. outbuilding. With its optimal location on Highway 1, high visibility, and direct ocean views, it's ideal for multiple revenue streams including fine dining, hospitality, or a private retreat. Key assets include expansive restaurant space with a commercial kitchen, a two-story home offering stunning views and an attached garage, plus additional versatile space for storage or events. Positioned in a high tourism area with potential for a luxury hospitality venture, high-end dining, or an oceanfront winery/tasting room. Infrastructure includes preliminary septic work, existing easements, and potential for parking. This rare coastal property combines location, versatility, and development potential making it a savvy investment for establishing a presence in one of California’s most desirable destinations. Make an appointment for a private tour.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

4/10
Cambria Grammar SchoolGrades K-53.6 mi
5/10
6/10
Coast Union High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 2015

Type & Style

  • Home type: SingleFamily
  • Property subType: Mixed Use

Interior

Appliances

  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 7

Cooling

  • Cooling features: None

Features

  • Main Level Primary
  • Fireplace features: Bonus Room,Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 9,802 sqft

Master Bedroom

  • Features: Main Level Primary

Property

Details

  • Parcel number: 013381002
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Entry location: Front Door
  • Pool features: None
  • Has view: Yes
  • View description: Meadow,Ocean,Trees/Woods
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 3.04 Acres
  • Features: Gentle Sloping,Rolling Slope

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Wildfire

FEMA Declared Disasters in San Luis Obispo County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $19,720$236,640
Home Insurance *$765$9,180
Property Taxes $3,465$41,580
Electricity $2,101$25,222
Total$26,051$312,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$893,177/yr
40% on housing$781,530/yr
45% on housing$694,693/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$398This listing

vs Other Active Listings

Avg $/sqft

ZIP 93428$563
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93428$649
San Luis Obispo County$522

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-21Listed for sale$3,900,000
2026-02-11Listing removed$3,900,000
2025-11-04Price change$3,900,000
2025-04-21Listed for sale$5,500,000
2022-08-23Sold$5,030,000
2018-12-21Sold$4,300,000
2018-12-06Pending sale$3,995,000
2018-12-04Price change$3,995,000
2018-12-01Listed for sale$7,900,000
2018-11-08Pending sale$7,900,000
2018-11-01Listed for sale$7,900,000
2012-01-25Sold$2,315,000
1997-03-20Sold$600,000

For Sale by Agent

AgentJenny Heinzen
BrokerageVineyard Professional Real Estate

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