See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

7515 Santa Rosa Creek Rd, Cambria, CA, 93428

2beds
1baths
1,614sqft
$2,895,000
$1,794price/sqft
$18,172/moest. monthly cost
$726,880/yrincome needed

About This Home

Abundant Water flows from artesian wells, filling up the 50,000 gallons of stored water at this Legacy property, in the Williamson Act for big tax benefits, your family can treasure for posterity, just 20 minutes from the beaches of the Central Coast. In the midst of some of the world’s finest vineyards, the 195 Acres includes about 2/3 mile of Santa Rosa Creek, which flows all year long. 1,000 Hass avocado trees cover approximately 7 acres. The home is located near the paved road, surrounded by fruit and shade trees. The original 800 sq ft home was built in 1900! In about 2013, an 800 sq ft great room with stone fireplace and lots of windows that bring in the garden views and sunshine, was added. The home is Move In Ready. The back yard fronts the Creek, where you can sit on summer days with your feet in the creek wiling away the hours. Nearby are 2 garages and an old but functional barn, and your own solid steel and concrete bridge that leads up the hill to the newer barn, pond, orchard, solar array (14.5 Kw) and a few building sites. Up from this area are six of the total ten 5,000 gallons water storage tanks, constantly over-flowing. There are so many remarkable, special, beautiful settings for you to enjoy. At the top of the property you get an expansive ocean view spot perfect for outdoor gatherings/BBQ/etc! So much here that you will likely not want to leave.

Getting Around

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

Schools

4/10
Cambria Grammar SchoolGrades K-56.0 mi
5/10
6/10
Coast Union High SchoolGrades 9-125.8 mi

Construction

Condition

  • Property condition: Turnkey
  • Year built: 1900

Materials

  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Refrigerator,Dryer,Washer
  • Laundry features: Laundry Room

Bathroom

  • Features: Tub Shower

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

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

Features

  • All Bedrooms Down
  • Window features: Double Pane Windows
  • Flooring: Carpet,Laminate
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,614 sqft

Property

Accessibility

  • Accessibility features: Safe Emergency Egress from Home,No Stairs

Details

  • Parcel number: 014181007
  • Zoning: AG
  • Special condition: Trust
  • Horse amenities: Riding Trail

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Front Porch,Patio,Porch,Stone
  • Spa features: None
  • Has view: Yes
  • View description: Hills,Mountain(s),Ocean,Orchard,Pond,Creek/Stream,Trees/Woods
  • Has water view: Yes
  • Water view: Ocean,Pond,Creek/Stream
  • Waterfront features: Creek

Lot

  • Lot size: 195 Acres
  • Features: Lot Over 40000 Sqft

Parking

  • Total spaces: 3
  • Parking features: Detached Carport,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Carport: Yes

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

  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Drought
Inland Flooding
Landslide
Wildfire
Earthquake

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 $14,638$175,656
Home Insurance *$568$6,816
Property Taxes $2,568$30,816
Electricity $398$4,786
Total$18,172$218,064
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$623,040/yr
40% on housing$545,160/yr
45% on housing$484,586/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

$1,794This listing

vs Other Active Listings

Avg $/sqft

ZIP 93428$527
San Luis Obispo County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 93428$649
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
2026-08-14Contingent$2,895,000
2026-07-28Price change$2,895,000
2026-06-26Listed for sale$3,295,000
2026-05-06Listing removed$3,295,000
2026-03-12Listed for sale$3,295,000
2026-02-01Listing removed$3,785,000
2025-06-23Listed for sale$3,985,000
1999-12-14Sold$550,000

For Sale by Agent

AgentBruce Koontz
BrokerageThe Real Estate Company of Cambria

Similar Homes