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2761 Chaparral Ln, Paso Robles, CA, 93446

2beds
1baths
981sqft
$449,000
$458price/sqft
$3,162/moest. monthly cost
$126,480/yrincome needed

About This Home

BACK ON THE MARKET THROUGH NO FAULT OF THE SELLERS! Welcome to this charming 2-bedroom, 1-bath home located in the sought-after community of Heritage Ranch at Lake Nacimiento. With vaulted ceilings, abundant natural light, and a warm, inviting feel throughout, this home offers the perfect blend of comfort, style, and lake living. Fresh interior paint, updated fixtures, and modern flooring create a clean and move-in-ready space, while the wood-burning stove adds character and cozy charm to the spacious living area. The kitchen and dining space flow seamlessly to the backyard, making it ideal for entertaining or relaxing after a day on the lake. Additional updates include a newer HVAC system and ducting (less than 2 years old), new water heater, new garage door motor, Nest thermostat, solar, and a roof that is less than 10 years old. Whether you’re searching for a full-time residence, weekend escape, or investment opportunity, this property gives you access to all the amenities Heritage Ranch is known for with a low HOA. Enjoy private pools, pickleball courts, parks, equestrian trails, marina and boat launch access, playgrounds, and the laid-back lifestyle that makes Lake Nacimiento such a special destination.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

6/10

Construction

Condition

  • Property condition: Turnkey
  • Year built: 1985

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Water Heater
  • Laundry features: In Garage

Bathroom

  • Features: Bathtub,Tub Shower

Bedrooms & Bathrooms

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

Features

  • Beamed Ceilings,Breakfast Bar,Ceiling Fan(s),High Ceilings,Recessed Lighting,Tile Counters,Unfurnished
  • Flooring: Laminate,Tile,Vinyl
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 981 sqft

Property

Details

  • Parcel number: 012284012
  • Special condition: Standard
  • Horse amenities: Riding Trail

Features

  • Levels: One
  • Stories: 1
  • Entry location: Front
  • Pool features: Association
  • Has spa: Yes
  • Spa features: Association
  • Fencing: Wood

Lot

  • Lot size: 4,500 sqft
  • Features: 0-1 Unit/Acre

Parking

  • Total spaces: 3
  • Parking features: Door-Single,Driveway Up Slope From Street,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Uncovered 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

  • 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 $2,270$27,240
Home Insurance *$85$1,020
Property Taxes $409$4,908
Electricity $398$4,786
Total$3,162$37,944
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,411/yr
40% on housing$94,860/yr
45% on housing$84,320/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

$458This listing

vs Other Active Listings

Avg $/sqft

ZIP 93446$506
San Luis Obispo County$561

vs Homes Sold Last Month

Median $/sqft

ZIP 93446$452
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)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$449,000
2026-07-23Price change$449,000
2026-06-25Price change$475,000
2026-06-12Listed for sale$485,000
2026-05-27Contingent$485,000
2026-05-25Listed for sale$485,000
2024-06-19Listing removed--
2024-05-29Listed for rent$2,600
2024-05-03Listing removed--
2024-05-01Listed for rent$2,600
2021-10-19Sold$385,000
2021-09-18Pending sale$375,000
2021-09-13Listed for sale$375,000
2016-02-14Listing removed$1,350
2016-02-02Price change$1,350
2016-01-17Price change$1,450
2015-12-15Price change$1,350
2015-11-28Price change$1,450
2015-11-24Listed for rent$1,350
2013-10-03Listing removed$1,300
2013-08-13Listed for rent$1,300
2009-10-23Sold$156,000
2009-09-29Listed for sale$155,000
2006-08-18Sold$329,000
2003-08-08Sold$240,000
1999-04-19Sold$112,500
1998-01-23Sold$100,000
1994-02-03Sold$99,000

For Sale by Agent

AgentKristina Kidwell
BrokerageSan Luis Bay Realty

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