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2550 Cienaga St Spc 35, Oceano, CA, 93445

3beds
2baths
1,248sqft
$339,000
$272price/sqft
$2,454/moest. monthly cost
$98,160/yrincome needed

About This Home

Step into this beautiful coastal oasis! Located 1.5 miles from the beach. This 3 bedroom, 2 bathroom dream home comes with a fresh full interior paint job, brand new flooring throughout and so much more. Walk onto a covered front deck with plenty of room for outdoor furniture to lounge and enjoy those summer days! Open floor plan and move in ready. Home is perfect for a home away from home, vacation spot, or full-time residence and affordable space rent! Located in the beautifully maintained Portico Mobile Home & Garden Park with NO AGE RESTRICTIONS! Access to children play areas, dog run, park, gazebo, RV and guest parking. Come enjoy everything Oceano has to offer with this updated, move in ready home!

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
61
BikeBikeable

Schools

7/10
Oceano Elementary SchoolGrades K-60.7 mi
6/10
Paulding Middle SchoolGrades 7-82.6 mi
9/10
Arroyo Grande High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Raised
  • Roof: Shingle

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Dining Area

Features

  • Flooring: Carpet

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 1,248
  • Total interior livable area: 1,248 sqft

Master Bedroom

  • Level: Lower

Property

Details

  • Parcel number: 910002500
  • Special condition: Standard

Features

  • Stories: 1
  • Entry location: Stairs to Entry
  • Fencing: Fenced Yard

Lot

  • Lot size: 3,049 sqft

Parking

  • Parking features: Drive Space
  • Has uncovered spaces: Yes

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

How This Home’s Risks Compare

Inland Flooding
Earthquake

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 $1,714$20,568
Home Insurance *$41$492
Property Taxes $301$3,612
Electricity $398$4,786
Total$2,454$29,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,137/yr
40% on housing$73,620/yr
45% on housing$65,440/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

$272This listing

vs Other Active Listings

Avg $/sqft

ZIP 93445$525
San Luis Obispo County$561

vs Homes Sold Last Month

Median $/sqft

ZIP 93445$551
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
2026-04-01Listed for sale$339,000
2026-03-30Pending sale$339,000
2026-03-09Price change$339,000
2026-01-30Price change$359,900
2025-12-19Listed for sale$372,000

For Sale by Agent

AgentStephanie Adam
BrokerageCHAMPION Real Estate

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