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2778 Oak Shores Dr, Bradley, CA, 93426

2beds
2baths
1,136sqft
$525,000
$462price/sqft
$3,801/moest. monthly cost
$152,040/yrincome needed

About This Home

Imagine spending your weekends boating, fishing, and relaxing in beautiful Lake Nacimiento, CA, then coming home to a fully remodeled retreat designed for comfort, style, and easy living. Located on a desirable corner lot in the gated Oak Shores community, just minutes from the West Launch Ramp, this exceptional home offers 2 bdrms, 2 full ba, breathtaking mountain views, unfinished basement with a concrete floor, & separate exterior entrance—perfect for storing lake toys, creating a workshop, or future expansion. Extensively renovated from top to bottom, this all-electric home combines modern efficiency with quality craftsmanship. An owned solar system w/ battery backup powers the home, while a 3-zone mini-split heating & cooling system provides year-round comfort. Additional house improvements incl. new windows, doors, trim, flooring, outlets, interior & exterior paint, updated exterior lighting, new faucets, and roof-mounted solar system. The redesigned main level features open, inviting floor plan centered around a stunning kitchen with European-style cabinetry, granite countertops, a counter-height island, Samsung stainless steel refrigerator, range, built-in microwave, Bosch dishwasher, garbage disposal, and a convenient pot-filler, plus a dedicated main-level laundry room was added for convenience. The beautifully remodeled guest bathroom includes a jetted soaking tub, designer tile, and a floating vanity. New lighting throughout, including stylish pendants, and three motorized blinds complete the main floor living space. Upstairs, the spacious primary suite has been transformed into a private spa-inspired retreat featuring a luxurious ensuite with travertine tile flooring, a large walk-in tiled shower with glass enclosure and shower tower, dual vanities, decorative tile accents, smart toilet, and privacy wall. Two cedar-lined closets, decorative wall paneling, a custom barn door, updated electrical, new drywall, recessed lighting, added insulation, updated staircase, and top-down blinds complete this peaceful sanctuary. Outside, enjoy fresh mountain air from the updated deck, a special enclosed dog run, a storage shed for your gear, and easy access to all the boating, swimming, and recreation Lake Nacimiento is known for. Whether you're searching for a full-time residence, vacation getaway, or investment property, this turnkey Oak Shores home offers the perfect blend of modern upgrades, energy efficiency, and the laid-back lake lifestyle.

Getting Around

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

Schools

6/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1978

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Range,Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Disposal,High Efficiency Water Heater,Microwave,Refrigerator,Water To Refrigerator,Water Heater,Dryer,Washer
  • Laundry features: Washer Hookup,Electric Dryer Hookup,Inside,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom

  • Features: Bathtub,Dual Sinks,Full Bath on Main Level,Jetted Tub,Multiple Shower Heads,Remodeled,Solid Surface Counters,Soaking Tub,Separate Shower,Tub Shower

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,Block Walls,Ceiling Fan(s),Cathedral Ceiling(s),Eat-in Kitchen,Granite Counters,High Ceilings,Living Room Deck Attached,Multiple Staircases,Pantry,Recessed Lighting,See Remarks,Storage,Bedroom on Main Level,Primary Suite,Utility Room,Wine Cellar,Workshop
  • Window features: Custom Covering(s),Double Pane Windows,ENERGY STAR Qualified Windows
  • Flooring: Carpet,Laminate,Tile
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Combination,Ductless,Electric,ENERGY STAR Qualified Equipment,High Efficiency,See Remarks
  • Cooling features: Ductless,Electric,ENERGY STAR Qualified Equipment,High Efficiency,See Remarks

Interior Area

  • Total interior livable area: 1,136 sqft

Kitchen

  • Features: Granite Counters,Kitchen Island,Kitchen/Family Room Combo,Remodeled,Updated Kitchen

Master Bedroom

  • Features: Primary Suite

Property

Details

  • Parcel number: 012251073
  • Zoning: sfr
  • Special condition: Standard
  • Other equipment: Satellite Dish

Features

  • Levels: Two
  • Stories: 2
  • Entry location: upstairs
  • Pool features: Community,Fenced,Heated,In Ground,Association
  • Patio & porch: Deck,See Remarks,Wood
  • Has view: Yes
  • View description: Park/Greenbelt,Hills,Meadow,Mountain(s),Neighborhood,Panoramic,Trees/Woods
  • Waterfront features: Lake,Lake Privileges

Lot

  • Lot size: 5,982 sqft
  • Features: Back Yard,Street Level

Parking

  • Total spaces: 4
  • Parking features: Driveway Level,Driveway,Deck,RV Access/Parking,See Remarks,Storage
  • Uncovered spaces: 4

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 $2,654$31,848
Home Insurance *$151$1,812
Property Taxes $598$7,176
Electricity $398$4,786
Total$3,801$45,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,320/yr
40% on housing$114,030/yr
45% on housing$101,360/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

$462This listing

vs Other Active Listings

Avg $/sqft

ZIP 93426$432
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
2026-08-10Listed for sale$525,000
2022-02-01Sold$350,000
2022-01-23Pending sale$350,000
2022-01-23Listed for sale$350,000
1998-08-14Sold$75,000

For Sale by Agent

AgentCathy Wolfe
BrokerageBHGRE Haven Properties

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