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414 Orchard St, Arroyo Grande, CA, 93420

4beds
3baths
2,076sqft
$1,199,000
$578price/sqft
$7,764/moest. monthly cost
$310,560/yrincome needed

About This Home

A serene waterfall welcomes you, but beyond the charming entry you'll find an impressive, spacious interior. This expansive property is set on a 8700 sf lot! Ideally situated just moments from the Village of Arroyo Grande. Fully reimagined with a rare SEPARATE one-bed/one-bath GRANNY UNIT — perfect for multi-generational living or high-value rental income. Completed as a comprehensive REMODEL in 2020, the home showcases upgraded electrical, plumbing, tankless water heater, new heater, new windows, and designer touches across every space. Elevated fixtures and finishes with Calacatta quartz in the kitchen and live edge wood shelves in the living room over the custom tile fireplace. You will find a total of 4 large bedrooms and 3 updated bathrooms, anchored by an open-concept layout with new flooring, new interior and exterior doors. The aesthetic is clean and contemporary. The exceptional outdoor entertaining space is truly extraordinary with seamless flow from indoors. The property transforms into a tranquil resort-style retreat with luxury landscaping across every inch, a large covered patio pavilion, lovely outdoor seating and an oversized incredible ground-set gas firepit perfect for coastal evenings. Additional amenities include a Viking BBQ outdoor kitchen & bar, bocce ball, horseshoes, and multiple zones designed for gathering, relaxing, and play. Plus, designed with drainage in mind and two French drains The private granny unit features its own entrance, kitchenette, indoor laundry, private yard, and dedicated gas BBQ, offering an ideal setup for extended family, guests, or income generation. Complete with long extended driveway parking for multiple cars, the RV or boat and a one car garage finished with epoxy flooring. Close to the high school, shopping, dining, and everyday conveniences, this property delivers a beautiful blend of versatility, location, luxury, and lifestyle. A fully remodeled, move-in-ready sanctuary with designer upgrades, OWNED SOLAR, peaceful & private outdoor living—414 Orchard stands as a rare and refined offering. Definitely not a drive by, MUST SEE to appreciate how large & absolutely lovely!

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
61
BikeBikeable

Schools

7/10
Harloe Elementary SchoolGrades K-60.9 mi
6/10
Paulding Middle SchoolGrades 7-80.7 mi
9/10
Arroyo Grande High SchoolGrades 9-120.2 mi

Construction

Condition

  • Year built: 1952

Type & Style

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

Interior

Appliances

  • Appliances included: Tankless Water Heater
  • Laundry features: Inside

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 4

Features

  • All Bedrooms Down
  • Flooring: Carpet,Wood
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: None

Interior Area

  • Total interior livable area: 2,076 sqft

Property

Details

  • Parcel number: 006045007
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 8,700 sqft
  • Features: Back Yard,Front Yard,Walkstreet,Yard

Parking

  • Total spaces: 1
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Drought
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 $6,062$72,744
Home Insurance *$178$2,136
Property Taxes $1,079$12,948
Electricity $445$5,342
Total$7,764$93,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$266,194/yr
40% on housing$232,920/yr
45% on housing$207,040/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

$578This listing

vs Other Active Listings

Avg $/sqft

ZIP 93420$576
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93420$549
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
2026-08-11Contingent$1,199,000
2026-07-24Listed for sale$1,199,000
2020-03-06Sold$675,000
2020-02-08Pending sale$695,000
2020-01-03Price change$695,000
2019-12-19Listed for sale$719,000
2019-11-15Listing removed$719,000
2019-10-09Listed for sale$719,000
2019-09-17Pending sale$719,000
2019-07-26Listed for sale$719,000
2019-03-16Listing removed$698,000
2018-12-11Price change$698,000
2018-11-16Price change$725,000
2018-10-27Price change$749,000
2018-10-05Price change$769,000
2018-08-03Price change$775,000
2018-07-20Price change$785,000
2018-06-06Price change$799,000
2018-05-24Price change$825,000
2018-04-20Listed for sale$839,000
2016-04-07Sold$425,000
2016-03-17Pending sale$425,000
2016-03-17Listed for sale$425,000

For Sale by Agent

AgentJennifer Mandulay
BrokerageBlair Properties

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