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428 Ocean Blvd, Pismo Beach, CA, 93449

3beds
3baths
1,471sqft
$2,950,000
$2,005price/sqft
$18,555/moest. monthly cost
$742,200/yrincome needed

About This Home

Some homes are simply built. Others are placed—perfectly—between land, sky, and sea. Perched along the iconic bluff of Ocean Boulevard in Shell Beach, this charming Cape Cod retreat has spent decades quietly watching the Pacific roll in and out with the tides. Each morning begins with light spilling across the water as seabirds glide past the horizon. Step through the French doors and onto the expansive ocean-view deck, where coffee tastes richer and the salty breeze reminds you exactly why people fall in love with the Central Coast. Inside, the home feels warm and timeless. Vaulted wood ceilings soar above the living room while a ?stone fireplace invites evenings spent listening to the distant rhythm of the waves. Sunlight pours through the windows, framing endless blue ocean views that stretch from Avila Beach to the distant cliffs of Point Sal. The kitchen was designed for gathering? rich wood cabinetry, granite counters, and professional-grade appliances ready for everything from slow Sunday breakfasts to sunset dinner parties with friends. Hardwood floors lead you through spaces that feel both elegant and relaxed, exactly what coastal living should be. With three bedrooms and three baths, this home offers both comfort and privacy, while a peaceful backyard patio provides a sheltered escape when the ocean breeze settles in for the evening. But the real magic happens outside. Because here, the Pacific is never just a view? it’?s a daily experience. Whales migrate along the horizon. Pelicans drift past at eye level. And every evening, the sky transforms into a canvas of gold, crimson, and lavender as the sun sinks slowly into the sea. Homes like this aren’t just properties. They’re front-row seats to the rhythm of the coast? where every day ends with one of California’s most breathtaking sunsets, and every morning begins with the promise of another unforgettable view. Welcome to life on Ocean Boulevard!

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

10/10
6/10
Judkins Middle SchoolGrades 7-81.8 mi
9/10
Arroyo Grande High SchoolGrades 9-125.6 mi

Construction

Condition

  • Property condition: Turnkey
  • Year built: 1981

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Refrigerator
  • Laundry features: Laundry Closet

Bedrooms & Bathrooms

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

Features

  • Beamed Ceilings,Separate/Formal Dining Room,Granite Counters,Living Room Deck Attached,Storage,Galley Kitchen
  • Door features: French Doors
  • Window features: Atrium
  • Flooring: Wood
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Fireplace(s)
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,471 sqft

Kitchen

  • Features: Granite Counters

Kitchen

  • Features: Galley Kitchen

Property

Details

  • Parcel number: 010353013
  • Special condition: Standard,Trust

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Deck
  • Spa features: None
  • Fencing: Wood
  • Has view: Yes
  • View description: Ocean
  • Has water view: Yes
  • Water view: Ocean
  • On waterfront: Yes
  • Waterfront features: Ocean Front

Lot

  • Lot size: 2,880 sqft
  • Features: 0-1 Unit/Acre

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $14,916$178,992
Home Insurance *$591$7,092
Property Taxes $2,650$31,800
Electricity $398$4,786
Total$18,555$222,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$636,171/yr
40% on housing$556,650/yr
45% on housing$494,800/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

$2,005This listing

vs Other Active Listings

Avg $/sqft

ZIP 93449$525
San Luis Obispo County$558

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
2026-05-13Listed for sale$2,950,000
2015-08-28Sold$1,725,000
2015-08-10Pending sale$1,799,000
2015-07-09Listed for sale$1,799,000
2011-04-03Listing removed$1,850,000
2010-12-31Price change$1,850,000
2010-12-12Price change$1,900,000
2010-08-14Listed for sale$1,950,000

For Sale by Agent

AgentMonique Garza
BrokerageCompass

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