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159 Ash Ave, Cayucos, CA, 93430

4beds
3baths
2,362sqft
$2,400,000
$1,016price/sqft
$15,058/moest. monthly cost
$602,320/yrincome needed

About This Home

Just 3 Blocks from the Cayucos Pier with Spectacular Ocean Views! Welcome to your dream beach retreat—this rare 4-bedroom, 2.5-bath home is ideally located in the heart of downtown Cayucos on a generous 7,500 sq ft lot that extends street to alley. Enjoy the best of coastal living just steps from the sand, surf, and iconic pier. This two-story craftsman-style stunner features beautifully landscaped front grounds with a swaying palm, welcoming walkway, and a gated driveway that leads to an enormous 4-car garage—a true rarity in this coveted beach town! Leased solar adds energy efficiency. Upstairs, you'll be greeted by an open-concept living, dining, and kitchen area bathed in natural light. Features include tile flooring, recessed and decorative lighting, and stunning ocean views. The living space flows seamlessly to a spacious deck—ideal for indoor-outdoor entertaining or relaxing after a day at the beach. A staircase leads conveniently from the ocean view deck to the private courtyard below. The gourmet kitchen is a chef’s delight with stainless steel appliances, including a 6-burner gas range, range hood, warming drawer, built-in microwave, dishwasher, and refrigerator. Rich cherry wood cabinetry, granite counters, a custom tile backsplash, pantry, and a large center island with seating make it both functional and stylish. A versatile fourth bedroom with double doors—perfect as an office or den—and a powder room complete the upper level. Downstairs, the spacious primary suite features direct access to the courtyard and a luxurious ensuite bath with dual vanities, a soaking tub, walk-in tile shower with dual shower heads, and private toilet room. Two additional bedrooms offer bright, comfortable spaces. A second full bathroom with dual sink vanity serves the second and third bedrooms. A dedicated laundry room with storage and outdoor access, adds convenience and potential after beach excursions. The private courtyard is ideal for entertaining, grilling, or shooting hoops. Surrounded by privacy hedges and fencing, it’s your own secluded outdoor oasis. Plus, boat or RV parking with a sewer dump at the driveway makes this property ideal for adventurers. Don't miss this incredible opportunity to own a piece of paradise on the Central Coast—whether as a full-time residence, vacation home, or investment property. Homes like this in downtown Cayucos rarely hit the market!

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

8/10

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Slab
  • Roof: Shingle

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: 6 Burner Stove,Dishwasher,Gas Oven,Gas Range,Microwave,Refrigerator,Range Hood,Warming Drawer
  • Laundry features: Inside,Laundry Room

Bathroom

  • Features: Bathtub,Dual Sinks,Enclosed Toilet,Soaking Tub,Separate Shower,Tub Shower,Walk-In Shower

Bedroom

  • Features: Multi-Level Bedroom

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Breakfast Bar,Ceiling Fan(s),Granite Counters,Living Room Deck Attached,Open Floorplan,Pantry,Recessed Lighting,Main Level Primary,Primary Suite
  • Flooring: Carpet,Tile
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total interior livable area: 2,362 sqft

Kitchen

  • Features: Granite Counters,Kitchen/Family Room Combo,Walk-In Pantry

Master Bedroom

  • Features: Main Level Primary

Master Bedroom

  • Features: Primary Suite

Property

Details

  • Parcel number: 064113006
  • Zoning: RMF
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Front
  • Pool features: None
  • Patio & porch: Concrete,Deck
  • Spa features: None
  • Fencing: Privacy
  • Has view: Yes
  • View description: Neighborhood,Ocean
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 7,500 sqft
  • Features: Back Yard,Front Yard,Landscaped,Street Level

Parking

  • Total spaces: 6
  • Parking features: Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Uncovered 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Earthquake
    EarthquakeModerate
  • Tsunami
    TsunamiModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Coastal Flooding
Earthquake
Tsunami
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 $12,135$145,620
Home Insurance *$330$3,960
Property Taxes $2,087$25,044
Electricity $506$6,078
Total$15,058$180,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$516,274/yr
40% on housing$451,740/yr
45% on housing$401,546/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

$1,016This listing

vs Other Active Listings

Avg $/sqft

ZIP 93430$851
San Luis Obispo County$559

vs Homes Sold Last Month

Median $/sqft

ZIP 93430$802
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
2026-03-22Price change$2,600,000
2026-02-13Price change$2,700,000
2025-11-20Price change$2,900,000
2025-10-01Listed for sale$3,100,000

For Sale by Agent

AgentLindsey Harn
BrokerageChristie's International Real Estate Sereno

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