1935 Spencer St, Cambria, CA, 93428
About This Home
Situated on the mountain side of Cambria‘s Top Of The World location, this property has cool views of the San Lucia Mountains and a microclimate that is often warmer, sunnier and less windy than many other areas of town. This two bedroom, two bath house has a bonus loft which could be a home office or an art studio. Heck, when it’s your house, you can use it however you’d like! The high ceilings above the wood-burning fireplace in the living room make the house feel much bigger. This property offers some additional elbow room, as it is located next to and across from multiple vacant lots. The adjacent oversized double lot to the south is owned by the owner of this house, and may be available for purchase via a separate escrow. Other amenities include an extra deep one-car garage, front and back decks, and washer and dryer hook-ups both upstairs and in the garage.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1985
Materials
- Foundation: Raised
- Roof: Composition,Shingle
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Gas Range,Microwave,Refrigerator
- Laundry features: Washer Hookup,Inside,Laundry Closet,In Garage,Upper Level
Bathroom
- Features: Full Bath on Main Level,Laminate Counters,Separate Shower,Tub Shower
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Features
- Beamed Ceilings,Balcony,Cathedral Ceiling(s),Laminate Counters,Recessed Lighting,Storage,Loft,Main Level Primary,Multiple Primary Suites
- Door features: French Doors
- Flooring: Carpet,Stone,Wood
- Fireplace features: Gas Starter,Living Room,Wood Burning
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Fireplace(s)
- Cooling features: None
Interior Area
- Total interior livable area: 1,026 sqft
Kitchen
- Features: Laminate Counters
Master Bedroom
- Features: Main Level Primary
Master Bedroom
- Features: Multiple Primary Suites
Property
Details
- Parcel number: 024063013
- Special condition: Standard
Features
- Levels: Three Or More
- Stories: 3
- Entry location: Main Living Level with Stairs to Front Door
- Pool features: None
- Patio & porch: Concrete,Deck,Patio,Wood
- Spa features: None
- Has view: Yes
- View description: Mountain(s),Neighborhood,Trees/Woods
Lot
- Lot size: 1,750 sqft
- Features: Sloped Up
Parking
- Total spaces: 1
- Parking features: Asphalt,Driveway,Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Inland Flooding
- Earthquake
- Landslide
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in San Luis Obispo County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,615 | $43,380 |
| Home Insurance * | $140 | $1,680 |
| Property Taxes | $676 | $8,112 |
| Electricity | $398 | $4,786 |
| Total | $4,829 | $57,948 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-18 | Listed for sale | $729,000 |
| 2015-01-02 | Listing removed | $352,000 |
| 2014-08-13 | Listed for sale | $352,000 |
| 2014-07-31 | Sold | $347,000 |
| 2014-05-07 | Price change | $352,000 |
| 2013-11-15 | Listed for sale | $369,000 |
| 1998-05-04 | Sold | $168,000 |
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