Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

120 Hermosa Dr, Pismo Beach, CA, 93449

3beds
2baths
1,898sqft
$2,249,000
$1,185price/sqft
$14,394/moest. monthly cost
$575,760/yrincome needed

About This Home

Set in Sunset Palisades, one of Shell Beach’s most desirable coastal neighborhoods, this Mediterranean-inspired residence offers ocean-view living, multiple outdoor spaces, and the relaxed coastal setting that makes this part of the Central Coast so sought after. Mature palms, red tile rooflines, landscaped patios, and raised planters give the home a distinct coastal character just moments from the shoreline. Inside, the main living area is warm and light-filled, with vaulted ceilings, exposed beam detail, a fireplace, and large windows that frame the coastal setting. The kitchen features rich wood cabinetry, granite counters, stainless appliances, skylight-style natural light, and a center island cooktop. A kitchen pass-through opens to the backyard and outdoor bar area, creating an easy setup for entertaining and indoor-outdoor living. Just off the kitchen, a flexible backyard-facing space with direct outdoor access can serve as a casual dining area, sitting room, office, playroom, or secondary living area. The primary suite is the centerpiece of the home, with room for a sitting area, large windows, and direct access to a front balcony with panoramic ocean views. It is a private place to take in the coastline, ocean horizon, palms, and neighborhood below. A newly built rear deck off the primary suite creates a second outdoor connection and leads down to the backyard. The ensuite bath features dual sinks, skylights, and a large glass-enclosed walk-in shower, while the walk-in closet provides substantial storage. Two additional bedrooms provide comfortable accommodations for family, guests, office use, or hobbies, with built-in cabinetry adding useful storage. The hall bath features stone finishes, skylight natural light, and a glass-enclosed shower. Hall cabinetry, a dedicated laundry room, spacious garage, and rear garage storage add practical convenience. The backyard is unusually large for the area, with lawn, patio space, mature landscaping, and direct connection to the kitchen, flexible living area, and rear deck from the primary suite. The front patio and ocean-view balcony add even more places to enjoy the Shell Beach setting. Beachfront South Palisades Park, beach access, Palisades Park and Playground, basketball, tennis and pickleball courts, Ontario Ridge Trail, and the Bluff Trailhead are all within walking distance. Fresh paint, new carpet, panoramic ocean views, and a rare Sunset Palisades setting complete the offering.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

9/10
Laguna Middle SchoolGrades 7-86.4 mi
10/10

Construction

Condition

  • Year built: 1986

Materials

  • Roof: Spanish Tile

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Microwave,Refrigerator,Dryer,Sump Pump,Washer
  • Laundry features: Inside,Laundry Room

Bathroom

  • Features: Bathroom Exhaust Fan,Dual Sinks,Granite Counters,Multiple Shower Heads,Separate Shower,Walk-In Shower

Bedrooms & Bathrooms

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

Features

  • Balcony,Ceiling Fan(s),Cathedral Ceiling(s),Granite Counters,Recessed Lighting,Primary Suite,Walk-In Closet(s)
  • Window features: Double Pane Windows,Skylight(s)
  • Flooring: Carpet,Tile
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,898 sqft

Kitchen

  • Features: Granite Counters,Kitchen Island

Master Bedroom

  • Features: Primary Suite

Other

  • Features: Walk-In Closet(s)

Property

Details

  • Parcel number: 010551019
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Front
  • Pool features: None
  • Patio & porch: Concrete,See Remarks
  • Exterior features: Rain Gutters
  • Spa features: None
  • Fencing: Wood
  • Has view: Yes
  • View description: Mountain(s),Ocean,Panoramic
  • Has water view: Yes
  • Water view: Ocean
  • Waterfront features: Ocean Side Of Highway

Lot

  • Lot size: 8,125 sqft
  • Features: Back Yard,Front Yard,Sprinklers In Rear,Sprinklers In Front,Landscaped,Rectangular Lot,Sprinkler System

Parking

  • Total spaces: 2
  • Parking features: Concrete,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 $11,372$136,464
Home Insurance *$451$5,412
Property Taxes $2,164$25,968
Electricity $407$4,884
Total$14,394$172,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$493,508/yr
40% on housing$431,820/yr
45% on housing$383,840/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

$1,185This listing

vs Other Active Listings

Avg $/sqft

ZIP 93449$539
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
2026-08-11Price change$2,099,000
2026-07-31Price change$2,249,000
2026-07-19Price change$2,349,000
2026-07-04Price change$2,499,000
2026-06-29Listed for sale$2,900,000
2022-05-16Listing removed--
2022-05-03Price change$5,500
2022-04-26Price change$5,900
2022-04-25Listed for rent$6,900
1995-02-28Sold$355,000

For Sale by Agent

AgentIan Chandler
BrokerageHome & Ranch Sotheby's Intl

Similar Homes