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667 Howard St, San Luis Obispo, CA, 93401

4beds
3baths
1,714sqft
$1,695,000
$989price/sqft
$10,759/moest. monthly cost
$430,360/yrincome needed

About This Home

Welcome to a rare dual-residence opportunity in the heart of San Luis Obispo—where thoughtful design, modern efficiency, and elevated style come together seamlessly. This beautifully reimagined property features a 3-bedroom, 2-bath main bungalow and a fully detached 1-bedroom, 1-bath ADU, both taken down to the studs and meticulously rebuilt with quality, comfort, and sustainability in mind. Step inside to discover light-filled interiors adorned with quartz countertops, sleek stainless steel appliances, and durable yet sophisticated luxury vinyl plank flooring throughout. Every detail has been carefully curated, blending contemporary elegance with everyday functionality. Designed for year-round comfort and energy efficiency, each room is equipped with its own HVAC mini-split system, while a programmable fireplace adds both ambiance and convenience. Additional upgrades include a tankless water heater and a Nuvo water filtration system, offering modern living with an eco-conscious edge. Outdoors, enjoy low-maintenance living with vinyl fencing, synthetic turf, and a stylish paver patio with a firepit—perfect for relaxing or entertaining without the upkeep. Ideally located just minutes from Cal Poly, downtown San Luis Obispo's vibrant shopping and dining scene, and with easy freeway access, this property offers exceptional flexibility—ideal for multi-generational living, rental income, or a private guest retreat. A turnkey investment and a refined place to call home—this is Central Coast living at its finest.

Getting Around

81
WalkingVery Walkable
37
TransitSome Transit
83
BikeVery Bikeable

Schools

6/10
9/10
Laguna Middle SchoolGrades 7-82.6 mi
10/10

Construction

Condition

  • Year built: 1920

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 1
  • 1/2 bathrooms: 2

Interior Area

  • Total structure area: 1,714
  • Total interior livable area: 1,714 sqft

Property

Details

  • Parcel number: 001122014

Lot

  • Lot size: 6,969 sqft

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 FloodingVery High
  • Earthquake
    EarthquakeRelatively High

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 $8,570$102,840
Home Insurance *$221$2,652
Property Taxes $1,570$18,840
Electricity $398$4,786
Total$10,759$129,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$368,880/yr
40% on housing$322,770/yr
45% on housing$286,906/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

$989This listing

vs Other Active Listings

Avg $/sqft

ZIP 93401$847
San Luis Obispo County$559

vs Homes Sold Last Month

Median $/sqft

ZIP 93401$660
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
2026-05-02Price change$1,695,000
2026-04-26Listed for sale$1,795,000
2024-02-16Listing removed--
2024-02-05Price change$4,295
2023-12-23Listed for rent$4,500
2022-07-21Sold$875,000
2022-06-28Contingent$899,900
2022-06-16Price change$899,900
2022-05-24Listed for sale$959,000
2012-06-03Listing removed$524,900
2012-05-11Price change$524,900
2012-04-02Listed for sale$529,000

For Sale by Agent

AgentTari Haberfield
BrokerageNextHome Central Coast

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