2271 Holden Ave, Oceano, CA, 93445
About This Home
Introducing the “Duneside Retreat”—a rare coastal opportunity offering exceptional development potential in a designated Opportunity Zone. Set on a versatile parcel, this property features a 2-bedroom, 1-bath main residence complemented by a 432 sq ft addition that functions like a Junior ADU. Complete with its own bathroom and a flexible layout, this is a fully permitted addition completed in 2001 that is ideal for multi-generational living, guest quarters, or potential income. With zoning that allows for a main residence plus up to three additional ADUs (each up to 1,200 sq ft, buyer to verify with SLO County), this property presents a compelling opportunity for developers, investors, or those seeking to create a multi-unit coastal compound. Located within an Opportunity Zone, buyers may benefit from significant tax advantages, including the potential to defer capital gains and eliminate taxes on future appreciation when held long term (buyer to consult tax professional). Beyond its development potential, Duneside Retreat offers immediate lifestyle appeal—ideal for owner-occupants, multi-generational living, or generating rental income through short- or long-term leasing. Its adaptable configuration makes it equally suited as a primary residence, vacation getaway, or income-producing asset. A truly unique offering combining location, flexibility, and long-term financial upside.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1930
Materials
- Foundation: Raised
- Roof: Asphalt,Metal,Shingle
- Construction materials: Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Duplex
Interior
Appliances
- Appliances included: Gas Cooktop,Disposal,Gas Oven,Gas Water Heater,Microwave,Refrigerator,Water Heater
- Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Inside,Laundry Room
Bathroom
- Features: Bathtub,Tub Shower,Walk-In Shower
Bedroom
- Features: All Bedrooms Down
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 2
Features
- Ceiling Fan(s),Separate/Formal Dining Room,All Bedrooms Down,Attic
- Window features: Double Pane Windows
- Flooring: Carpet,Vinyl
- Fireplace features: None
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Wall Furnace
- Cooling features: None
Interior Area
- Total interior livable area: 1,104 sqft
Kitchen
- Features: Kitchen/Family Room Combo
Property
Accessibility
- Accessibility features: Parking
Details
- Parcel number: 062067025
- Zoning: RSF
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Entry location: Front
- Pool features: None
- Patio & porch: Rear Porch,Brick,Stone,Wood
- Exterior features: Rain Gutters
- Spa features: None
- Fencing: Wood
- Has view: Yes
- View description: Neighborhood
Lot
- Lot size: 5,000 sqft
- Features: 0-1 Unit/Acre,Back Yard,Rectangular Lot,Street Level
Parking
- Total spaces: 1
- Parking features: Driveway Level,Door-Single,Garage Faces Front,Garage,Paved,RV Access/Parking
- 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
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 | $3,286 | $39,432 |
| Home Insurance * | $79 | $948 |
| Property Taxes | $666 | $7,992 |
| Electricity | $398 | $4,786 |
| Total | $4,429 | $53,148 |
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 |
|---|---|---|
| 2026-05-04 | Price change | $650,000 |
| 2026-04-13 | Price change | $675,000 |
| 2026-04-01 | Listed for sale | $700,000 |
| 2015-03-18 | Sold | $290,000 |
| 2014-11-29 | Listed for sale | $299,900 |
| 2014-11-10 | Sold | $348,767 |
| 2014-08-04 | Listing removed | $310,000 |
| 2014-06-20 | Price change | $310,000 |
| 2014-05-16 | Price change | $317,500 |
| 2014-04-23 | Price change | $320,500 |
| 2014-04-18 | Price change | $220,500 |
| 2014-02-21 | Listed for sale | $329,900 |
| 2004-08-27 | Sold | $360,000 |
| 2002-08-23 | Sold | $235,000 |
| 1997-12-19 | Sold | $65,000 |
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