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315 San Gabriel Ave, Morro Bay, CA, 93442

4beds
2baths
1,200sqft
$565,000
$471price/sqft
$3,637/moest. monthly cost
$145,480/yrincome needed

About This Home

All age park. Own your own land, no space fee. HOA fee is $131/month includes garbage, park maintenance such as repaving streets and driveways every other year, etc. Technically a 4 bdrm. but back 2 bdrms are currently being used as a large room sz walk in closet and an office. All new w/in the last few years: 15K hot springs spa. 11k extended carport and slab for additional parking for a golf-cart or motorcycle in addition to 2 full size vehicles. Large outbuilding for storage. New poly deck on hot tub side of house, new fencing, gate and lighting. New Central heat. 2 new french/slider doors, window in office and custom garden window in kitchen. Kitchen remodel with new butcherblock countertops, subway tile backsplash, sink, fixtures, microwave, brand new Bosch dishwasher, garbage disposal and water filtration system. New flooring in all 4 bdrms. Custom lined, woven wood window coverings. Completely remodeled main bath incl. bidet toilet in 2025. New rain gutters all around. Custom built outdoor deep sink cabinet. Large permanent 10x10 structure to house laundry, work bench and shelving. Roof has been rubberized and in great condition. Washer, dryer and refrigerator stay. Most if not all furniture can stay. Just bring your toothbrush!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

6/10
8/10
Los Osos Middle SchoolGrades 6-84.7 mi
8/10
Morro Bay High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1972

Materials

  • Roof: Other

Type & Style

  • Home type: MobileManufactured

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Laminate

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: Wall

Interior Area

  • Total interior livable area: 1,200 sqft

Property

Details

  • Parcel number: 911000887

Features

  • Exterior features: Other,Wood,Composition
  • Has spa: Yes
  • Has view: Yes
  • View description: Mountain

Lot

  • Lot size: 3,497 sqft

Parking

  • Total spaces: 2
  • Parking features: Carport

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 $2,856$34,272
Home Insurance *$82$984
Property Taxes $301$3,612
Electricity $398$4,786
Total$3,637$43,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,697/yr
40% on housing$109,110/yr
45% on housing$96,986/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

$471This listing

vs Other Active Listings

Avg $/sqft

ZIP 93442$452
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93442$654
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)

No zestimate history available

Price History

DateEventPrice
2026-08-03Price change$565,000
2026-06-25Price change$575,000
2026-06-07Listed for sale$579,950

For Sale by Owner

AgentChris Kilpatrick

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