




1965 Spencer St, Cambria, CA, 93428
About This Home
Peaceful Woodland Contemporary retreat in Cambria's desirable Lodge Hill neighborhood. Nestled among serene Monterey pines and located with convenient access to Moonstone Beach, Fiscalini Ranch Preserve, art galleries, restaurants, and the charm of the East and West Villages, this home offers an exceptional opportunity to enjoy the natural beauty and relaxed lifestyle that define this beloved Central Coast community. Thoughtfully designed to embrace its natural surroundings, the inviting floor plan is filled with natural light from expansive windows, skylights, and vaulted ceilings. The living room serves as the heart of the home, featuring a fireplace, built-in wall niche, and tranquil treetop views. Adjacent dining and kitchen spaces create an effortless flow for everyday living and entertaining, with the dining area opening to a relaxing deck. The kitchen offers warmth and functionality with tile countertops, a breakfast bar, a sunny window over the sink, and an appliance package that includes an electric range, refrigerator, and microwave. Whether enjoying a leisurely morning coffee, preparing meals with fresh produce from the Friday Farmers' Market, or gathering with friends, the space provides an inviting setting for everyday living. The primary bedroom features a walk-in closet, while a second spacious bedroom provides comfortable accommodations for family, with both rooms sharing an adjoining full bathroom with beach-inspired tile details and a tub and shower combination. A powder room offers added convenience for guests, while an included Whirlpool stackable washer and dryer enhances everyday functionality. Outdoor living is a defining feature of the property. In addition to the rear deck, the front yard features raised garden beds for cultivating flowers, herbs, or vegetables, while a rooftop balcony offers views of the Santa Lucia Coastal Range, creating an inviting setting for morning coffee or unwinding in the afternoon. Completing the property is an attached one-car garage and a garden shed with electricity and a built-in desk, offering flexibility as a home office, yoga studio, workshop, or creative space. Don't miss your special opportunity to experience the natural beauty, outdoor recreation, and relaxed coastal atmosphere that have made Cambria one of California's most treasured seaside communities.
Getting Around
Schools
Construction
Condition
- Year built: 1989
Materials
- Foundation: Raised,Slab
- Roof: Composition
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Disposal,Gas Water Heater,Microwave,Refrigerator,Water Softener,Dryer,Washer
- Laundry features: Washer Hookup,Electric Dryer Hookup,Laundry Closet,Stacked
Bathroom
- Features: Bathroom Exhaust Fan,Tile Counters,Tub Shower
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Breakfast Bar,Built-in Features,Balcony,Cathedral Ceiling(s),Separate/Formal Dining Room,Recessed Lighting,Tile Counters,Walk-In Closet(s)
- Flooring: Laminate,Vinyl
- Fireplace features: Gas Starter,Living Room,Wood Burning
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: None
Interior Area
- Total interior livable area: 1,120 sqft
Kitchen
- Features: Tile Counters
Other
- Features: Walk-In Closet(s)
Property
Details
- Parcel number: 024063071
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Entry location: 1
- Pool features: None
- Patio & porch: Covered,Deck,Rooftop,Wood
- Exterior features: Awning(s)
- Spa features: None
- Fencing: Wood
- Has view: Yes
- View description: Hills,Mountain(s),Trees/Woods
Lot
- Lot size: 3,500 sqft
- Features: Front Yard
Parking
- Total spaces: 1
- Parking features: 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 | $3,585 | $43,020 |
| Home Insurance * | $139 | $1,668 |
| Property Taxes | $677 | $8,124 |
| Electricity | $398 | $4,786 |
| Total | $4,799 | $57,588 |
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 |
|---|---|---|
| 2026-08-13 | Contingent | $709,000 |
| 2026-07-15 | Price change | $709,000 |
| 2026-06-19 | Listed for sale | $719,000 |
For Sale by Agent
