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220 Capistrano Ave, Pismo Beach, CA, 93449

2beds
1baths
904sqft
$1,250,000
$1,383price/sqft
$8,079/moest. monthly cost
$323,160/yrincome needed

About This Home

Welcome to the quintessential Shell Beach cottage, ideally located in one of the Central Coast’s most coveted seaside communities. This beautifully renovated 2-bedroom, 1-bath coastal retreat has been thoughtfully remodeled from top to bottom and offers true turnkey living just moments from the stunning California coastline. Set within the warm and welcoming enclave of Shell Beach, this charming home captures the relaxed coastal lifestyle the area is known for. Spend your days exploring the picturesque neighborhood, meeting friendly neighbors, and enjoying the small-town charm that makes Shell Beach so special. Inside, the home is filled with natural light and thoughtfully upgraded throughout. The stylish kitchen is both bright and highly functional, featuring quartz countertops, soft-close cabinetry and drawers, stainless steel appliances, and a stainless steel appliances—perfect for entertaining or enjoying a quiet evening at home. High-quality double-pane windows bring sunlight into every room while creating a light, airy atmosphere throughout the home. The comfortable bedrooms offer peaceful views of the professionally landscaped backyard, creating a calm and relaxing retreat at the end of the day. Outdoor living is an essential part of the Shell Beach lifestyle, and this property delivers beautifully. The welcoming front yard patio is the perfect place to enjoy a quiet morning coffee or unwind in the evening with a glass of wine from one of the many nearby Central Coast wineries. The private backyard has been thoughtfully designed for both relaxation and entertaining, featuring interlocking pavers, new fencing, outdoor lighting, lush landscaping, a storage or hobby shed, and a low-maintenance turf lawn. The drought-tolerant landscaping ensures this coastal escape remains easy to care for whether used as a primary residence or a weekend getaway. As the locals do, take an evening stroll to Eldwayen Ocean Park, where breathtaking sunsets, whale watching, and panoramic Pacific Ocean views await. 220 Capistrano offers the rare opportunity to embrace the laid-back elegance of Shell Beach living—a dreamy coastal cottage in one of California’s most desirable beach communities.

Getting Around

67
WalkingSomewhat Walkable
0
TransitVery Limited Transit
57
BikeBikeable

Schools

10/10
6/10
Judkins Middle SchoolGrades 7-82.1 mi
9/10
Arroyo Grande High SchoolGrades 9-126.0 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1940

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Cooktop,Gas Oven,Gas Water Heater,Microwave,Water To Refrigerator
  • Laundry features: Stacked

Bathroom

  • Features: Quartz Counters,Remodeled,Upgraded,Walk-In Shower

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Cooling

  • Cooling features: None

Features

  • Breakfast Area,Quartz Counters,Recessed Lighting
  • Window features: Double Pane Windows
  • Flooring: Carpet,Laminate
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total interior livable area: 904 sqft

Kitchen

  • Features: Kitchen/Family Room Combo,Quartz Counters,Remodeled,Self-closing Cabinet Doors,Self-closing Drawers,Updated Kitchen

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 01025103
  • Special condition: Standard

Features

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

Lot

  • Lot size: 2,400 sqft
  • Features: 0-1 Unit/Acre

Parking

  • Parking features: Driveway,On Street

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

  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Tsunami
    TsunamiModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Coastal Flooding
Tsunami

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 $6,320$75,840
Home Insurance *$250$3,000
Property Taxes $1,111$13,332
Electricity $398$4,786
Total$8,079$96,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$276,994/yr
40% on housing$242,370/yr
45% on housing$215,440/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

$1,383This listing

vs Other Active Listings

Avg $/sqft

ZIP 93449$556
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93449$679
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
2026-03-20Listed for sale$1,250,000
2024-08-06Listing removed--
2024-07-09Listed for rent$4,500
2023-10-26Sold$1,175,000
2023-09-13Pending sale$1,199,000
2023-08-29Listed for sale$1,199,000
2022-05-25Sold$1,100,000
2022-04-27Pending sale$999,999
2022-04-25Listed for sale$999,999
2016-06-27Sold$700,000
2016-05-16Pending sale$729,900
2016-05-02Price change$729,900
2016-04-24Listed for sale$739,000
2015-11-23Sold$550,000
2015-11-06Listed for sale$535,000

For Sale by Agent

AgentDanielle Nunes
BrokerageLPT Realty, Inc.

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