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1965 Spencer St, Cambria, CA, 93428

2beds
2baths
1,120sqft
$709,000
$633price/sqft
$4,799/moest. monthly cost
$191,960/yrincome needed

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

15
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

4/10
Cambria Grammar SchoolGrades K-50.4 mi
5/10
6/10
Coast Union High SchoolGrades 9-121.3 mi

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
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Landslide
Wildfire

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 $3,585$43,020
Home Insurance *$139$1,668
Property Taxes $677$8,124
Electricity $398$4,786
Total$4,799$57,588
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$164,537/yr
40% on housing$143,970/yr
45% on housing$127,973/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

$633This listing

vs Other Active Listings

Avg $/sqft

ZIP 93428$564
San Luis Obispo County$560

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)

Price History

DateEventPrice
2026-08-13Contingent$709,000
2026-07-15Price change$709,000
2026-06-19Listed for sale$719,000

For Sale by Agent

AgentDavid Campa
BrokerageCentral Coast Sotheby's International Realty

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