




2850 Studio Dr, Cayucos, CA, 93430
About This Home
Rare oceanfront offering. This distinctive two-lot parcel comprises approximately 7,400± square feet, with 50 feet of ocean frontage and over 145 feet of depth. Situated closer to the bluff edge than neighboring residences, the property enjoys sweeping point-to-point coastline views and dramatic white-water vistas, enhanced by offshore rock formations. A set of finely crafted private stairs descends through an ice plant–covered bluff to a broad sandy beach below. The property includes a street-side two-car garage with additional storage, along with separate guest quarters, offering flexibility for visitors, extended family, or private accommodations. Beyond the garage is a sheltered interior patio well suited for container gardening, a spa, or outdoor entertaining. The main residence is accessed from the patio and opens into a full-width great room featuring vaulted ceilings, expansive glass, and an open-concept living, dining, and kitchen area. Wood flooring and detailed ceiling insets contribute warmth and architectural interest, while ocean views are enjoyed throughout the primary living spaces. The main living area includes a ceiling fan and a stackable washer/dryer discreetly located in a living room closet. The efficient kitchen is appointed with updated cabinetry and stainless steel appliances. The dining area is highlighted by an arched window and plank-style ceiling. The main residence offers two bedrooms with ample natural light, including one generously sized to accommodate twin beds, along with a full bathroom featuring a pedestal sink. A wide bluff-top patio extends from the living area and provides direct access to the private beach stairs. This rare oceanfront parcel, combined with private beach access, expansive views, and separate guest quarters, presents a truly unique coastal opportunity
Getting Around
Schools
Construction
Condition
- Year built: 1949
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Refrigerator,Dryer,Washer
- Laundry features: Inside,Laundry Closet,Stacked
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Ceiling Fan(s),Separate/Formal Dining Room
- Flooring: Wood
- 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: 1,326 sqft
Kitchen
- Features: Granite Counters
Property
Details
- Parcel number: 064274003
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Entry location: Through courtyard to front door
- Pool features: None
- Patio & porch: Patio
- Spa features: None
- Has view: Yes
- View description: Coastline,Ocean,Panoramic
- Has water view: Yes
- Water view: Coastline,Ocean
- On waterfront: Yes
- Waterfront features: Beach Front,Ocean Front,Ocean Side Of Highway
Lot
- Lot size: 7,000 sqft
- Features: Bluff
Parking
- Total spaces: 4
- Parking features: Garage,Off Street
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- 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
- Coastal Flooding
- Earthquake
- Tsunami
- 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 | $17,672 | $212,064 |
| Home Insurance * | $480 | $5,760 |
| Property Taxes | $1,864 | $22,368 |
| Electricity | $398 | $4,786 |
| Total | $20,414 | $244,968 |
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 |
|---|---|---|
| 2026-07-31 | Listed for sale | $3,495,000 |
