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50 24th St, Cayucos, CA, 93430

3beds
3baths
2,172sqft
$2,300,000
$1,059price/sqft
$14,402/moest. monthly cost
$576,080/yrincome needed

About This Home

Enjoy an elevated coastal lifestyle in this stunning modern beach home, complete with the convenience of a private elevator. Located just steps from the sandy shores of Cayucos, this beautiful residence offers breathtaking ocean views and an unparalleled beachside experience. Wake up each morning to panoramic views of the Pacific Ocean and enjoy picturesque sightlines of Morro Rock in the distance. Start your day with coffee on the second-story oceanfront patio, or unwind in the evening with sunset dining while listening to the sounds of the surf. Adding to the home's appeal is a private elevator that provides easy access between the first and second levels. Recent updates include fresh interior and exterior paint, a modern full-view glass garage door, a contemporary glass front door, a refurbished back deck, and newly painted trim. The upper level features an open-concept living and dining area designed to maximize natural light and showcase the spectacular coastal views. The kitchen is equipped with stainless steel appliances, granite countertops, a large center island, and stunning views of Morro Rock and the coastline. The adjoining living room boasts vaulted ceilings, oak flooring, a gas fireplace, custom ironwork railings, and a convenient guest bathroom. The main level includes a spacious primary suite with newer flooring and an attached ensuite bathroom featuring a soaking tub, walk-in shower, and double vanity. Two additional guest bedrooms offer direct access to private patios and back decks and share a full guest bathroom. Outside, the backyard provides exceptional privacy with two distinct levels and a unique lagoon-like setting, complete with a waterway leading toward the beach. This rare coastal retreat combines modern comfort, thoughtful updates, and unforgettable ocean views in one of Cayucos' most desirable locations. Exterior utilities are underground offering rare unobstructed views without ugly wires or cables.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

8/10

Construction

Condition

  • Year built: 2006

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Cooktop
  • Laundry features: Laundry Closet

Bathroom

  • Features: Bathtub

Bedroom

  • Features: All Bedrooms Down

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

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

Features

  • Balcony,Cathedral Ceiling(s),Elevator,Granite Counters,High Ceilings,Recessed Lighting,All Bedrooms Down,Bedroom on Main Level,Main Level Primary,Primary Suite
  • Flooring: Tile,Vinyl,Wood
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total interior livable area: 2,172 sqft

Kitchen

  • Features: Kitchen Island

Master Bedroom

  • Features: Main Level Primary

Master Bedroom

  • Features: Primary Suite

Property

Details

  • Parcel number: 064183009
  • Special condition: Standard,Trust

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: None
  • Has view: Yes
  • View description: Ocean,Trees/Woods
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 6,760 sqft
  • Features: 0-1 Unit/Acre

Parking

  • Total spaces: 1
  • Parking features: Garage - Attached
  • 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
  • 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 $11,630$139,560
Home Insurance *$316$3,792
Property Taxes $1,991$23,892
Electricity $465$5,589
Total$14,402$172,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$493,782/yr
40% on housing$432,060/yr
45% on housing$384,053/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

$1,059This listing

vs Other Active Listings

Avg $/sqft

ZIP 93430$849
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
2026-08-04Price change$2,199,000
2026-06-25Listed for sale$2,300,000
2014-02-14Sold$1,100,000
2013-08-02Price change$1,250,000
2013-06-12Price change$1,294,950
2013-05-01Listed for sale$1,350,000
2000-08-14Sold$504,000

For Sale by Agent

AgentAmy Meredith
BrokerageColdwell Banker Realty

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