4535 Cayucos Ave, Atascadero, CA, 93422
About This Home
Power, possibility, and peace of mind come together here with energy efficient solar, a brand new 2025 roof, three Tesla wall backup batteries, plus a permitted detached 400 +/- sq ft workshop/studio primed for a future ADU conversion, all complemented by a buyer home warranty provided by the sellers. Incredible opportunity to assume a low-interest FHA loan of approximately $366,000 at 4.125%. Qualified buyers may save significantly compared to current market rates. Subject to lender approval. (If buyer assumes loan then buyer must provide funds to cover the difference between the purchase price and the assumable loan balance, either through cash or secondary financing.) This charming California ranch-style single level 3 bedroom, 2 bathroom home with nearly 1700 sq. ft +/- welcomes you with a flexible layout. Once inside, you enter into a spacious front room that can serve as a formal dining room or living room. Tile and vinyl plank flooring run throughout the home, paired with dual pane windows for comfort and efficiency. The inviting kitchen blends style and function with classic subway tile backsplash, butcher block countertops, and a center island that adds prep space and a natural gathering spot. The kitchen opens to an additional dining area anchored by a cozy electric fireplace and coffee bar. Just beyond the kitchen you are invited into the family room featuring a picture window that fills the space with natural light, while double glass doors lead to the backyard deck for seamless indoor outdoor living and entertaining. Installed Govee exterior lighting enhances curb appeal year round with customizable natural color effects, making seasonal decorating effortless and eliminating the need for annual installation. Additional highlights include a primary ensuite, central heating and air conditioning, ceiling fans, and a finished two car garage. The permitted detached shop, built in 2004, offers exceptional flexibility. With vaulted ceilings, skylights, wall A/C, and dual pane windows, is ideal for a home office, workshop, gym, art studio, or future ADU conversion. Drought tolerant landscaping and easy care outdoor living complete a property that blends charm, versatility, and modern efficiency just minutes from vibrant downtown Atascadero.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Additions/Alterations,Building Permit
- Year built: 1975
Materials
- Foundation: Raised
- Roof: Composition,Shingle
- Construction materials: Hardboard,Stucco,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Gas Cooktop,Gas Oven,Gas Range,Gas Water Heater,Microwave,Water To Refrigerator,Water Heater
- Laundry features: In Garage
Bathroom
- Features: Bathtub,Laminate Counters,Low Flow Plumbing Fixtures,Tub Shower,Walk-In Shower
Bedroom
- Features: All Bedrooms Down
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Chair Rail,Ceiling Fan(s),Separate/Formal Dining Room,Living Room Deck Attached,Recessed Lighting,Sunken Living Room,All Bedrooms Down,Primary Suite,Workshop
- Window features: Blinds,Double Pane Windows
- Flooring: Laminate,Tile,Vinyl
- Fireplace features: Electric
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Forced Air,Fireplace(s),Natural Gas,Solar
- Cooling features: Central Air,Electric,Wall/Window Unit(s)
Interior Area
- Total interior livable area: 1,668 sqft
Master Bedroom
- Features: Primary Suite
Property
Details
- Parcel number: 029221010
- Special condition: Standard
- Exclusions: Custom 15 ft. Family Room Couch is Negotiable. Washer & Dryer,All Personal Items. Shed
Features
- Levels: One
- Stories: 1
- Entry location: 1
- Pool features: None
- Patio & porch: Deck
- Has view: Yes
- View description: Neighborhood
Lot
- Lot size: 7,972 sqft
- Features: 0-1 Unit/Acre,Back Yard,Front Yard,Rocks
Parking
- Total spaces: 2
- Parking features: Door-Single,Garage Faces Front,Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered 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
- Earthquake
- Inland Flooding
- 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 | $3,944 | $47,328 |
| Home Insurance * | $147 | $1,764 |
| Property Taxes | $833 | $9,996 |
| Electricity | $398 | $4,786 |
| Total | $5,322 | $63,864 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-06 | Price change | $780,000 |
| 2026-04-30 | Price change | $799,000 |
| 2026-04-23 | Listed for sale | $829,000 |
| 2017-01-13 | Sold | $460,000 |
For Sale by Agent
View on Zillow