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2488 Captains Walk, Bradley, CA, 93426

2beds
2baths
1,083sqft
$489,000
$452price/sqft
$3,645/moest. monthly cost
$145,800/yrincome needed

About This Home

Move-in ready cabin in the private gated community of Oak Shores in the City of Lake Nacimiento, CA! This charming multi-level retreat features beautiful knotty pine floors and ceilings throughout, creating the warm, inviting feel of a true lake getaway. The entry level offers an easy-access kitchen with space for a breakfast nook or center table, along with a first bedroom that provides room for additional beds and a spacious closet. Just a few steps up, the bright living room showcases soaring knotty pine ceilings, large windows that fill the space with natural light, and a nostalgic decorative fireplace that adds classic cabin charm. The hallway also includes a full bathroom and convenient indoor laundry. Upstairs you'll find the second full bathroom and the second bedroom, plus a versatile loft ideal for additional sleeping space or a home office. Outdoor living shines with three levels of decks—perfect for entertaining, relaxing, and enjoying beautiful views and memorable sunsets. The large lot offers ample parking for vehicles, boats, and lake toys, making lake living easy and convenient. After a day on the water, rinse off in the private outdoor shower tucked beneath the deck. A wonderful opportunity to own a relaxing retreat in the sought-after Oak Shores lake community.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10

Construction

Condition

  • Property condition: Turnkey
  • Year built: 1996

Materials

  • Roof: Composition
  • Construction materials: HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Range,Dishwasher,Free-Standing Range,Disposal,High Efficiency Water Heater,Microwave,Propane Range,Refrigerator,Dryer,Washer
  • Laundry features: Washer Hookup,Inside,Laundry Closet,Stacked

Bathroom

  • Features: Bathtub,Full Bath on Main Level,Low Flow Plumbing Fixtures,Tub Shower,Upgraded

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Balcony,Chair Rail,Cathedral Ceiling(s),Eat-in Kitchen,Furnished,High Ceilings,Country Kitchen,Laminate Counters,Living Room Deck Attached,Multiple Staircases,Recessed Lighting,Two Story Ceilings,Bedroom on Main Level,Loft
  • Window features: Blinds,Double Pane Windows,Screens
  • Flooring: Wood
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air,Propane,See Remarks
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,083 sqft

Kitchen

  • Features: Pots & Pan Drawers,Tile Counters

Property

Details

  • Parcel number: 012244024
  • Zoning: sfr
  • Special condition: Standard
  • Exclusions: personal family items,2 red chairs in living room

Features

  • Levels: Multi/Split
  • Entry location: 2nd level
  • Pool features: Community,Fenced,Gunite,Heated Passively,In Ground,Association
  • Patio & porch: Deck,See Remarks
  • Fencing: None
  • Has view: Yes
  • View description: Park/Greenbelt,Hills,Meadow,Mountain(s),Neighborhood,Panoramic,Pool,Trees/Woods
  • Waterfront features: Lake,Lake Privileges

Lot

  • Lot size: 7,445 sqft
  • Features: Close to Clubhouse,Front Yard,Gentle Sloping,Landscaped,Rectangular Lot

Parking

  • Total spaces: 5
  • Parking features: Concrete,Driveway,Driveway Up Slope From Street,Paved
  • Uncovered spaces: 5

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

  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Wildfire
Earthquake
Inland Flooding
Landslide
Drought

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 $2,472$29,664
Home Insurance *$140$1,680
Property Taxes $635$7,620
Electricity $398$4,786
Total$3,645$43,740
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,971/yr
40% on housing$109,350/yr
45% on housing$97,200/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

$452This listing

vs Other Active Listings

Avg $/sqft

ZIP 93426$433
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93426$377
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
2026-03-14Listed for sale$489,000
2014-09-19Sold$212,000
2014-07-26Price change$224,900
2014-06-26Price change$234,900
2014-05-28Price change$249,900
2014-04-29Price change$269,900
2014-03-28Listed for sale$294,900
2014-02-28Sold$313,719
2013-11-26Price change$344,900
2013-08-20Listed for sale$395,000
2005-09-08Sold$425,000

For Sale by Agent

AgentCathy Wolfe
BrokerageBHGRE Haven Properties

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