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2850 Studio Dr, Cayucos, CA, 93430

3beds
2baths
1,326sqft
$3,495,000
$2,636price/sqft
$20,414/moest. monthly cost
$816,560/yrincome needed

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

7
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

8/10

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
    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 $17,672$212,064
Home Insurance *$480$5,760
Property Taxes $1,864$22,368
Electricity $398$4,786
Total$20,414$244,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$699,908/yr
40% on housing$612,420/yr
45% on housing$544,373/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

$2,636This listing

vs Other Active Listings

Avg $/sqft

ZIP 93430$803
San Luis Obispo County$557

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)

No zestimate history available

Price History

DateEventPrice
2026-07-31Listed for sale$3,495,000

For Sale by Agent

AgentDale Kaiser
BrokerageDale Kaiser Real Estate

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