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401 Tahiti St, Morro Bay, CA, 93442

2beds
2baths
720sqft
$824,999
$1,146price/sqft
$5,452/moest. monthly cost
$218,080/yrincome needed

About This Home

Welcome to beautiful Morro Bay! This charming 2-bedroom, 2-bathroom home offers a flexible floor plan with a bonus room that can serve as a home office, guest room, hobby space, or den. Enjoy comfortable coastal living with bright living spaces, a functional layout, and endless possibilities to fit your lifestyle. Conveniently located near Morro Bay's beaches, waterfront, shopping, restaurants, and outdoor recreation, this home is an excellent opportunity to enjoy the Central Coast. Don't miss your chance to make this versatile property your own!

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

6/10
8/10
Los Osos Middle SchoolGrades 6-86.1 mi
8/10
Morro Bay High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1962

Materials

  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven,Range Hood
  • Laundry features: Inside,Laundry Room

Bathroom

  • Features: Separate Shower

Bedroom

  • Features: All Bedrooms Up

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Open Floorplan,All Bedrooms Up
  • Fireplace features: None
  • Common walls with other units/homes: 2+ Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: See Remarks

Interior Area

  • Total interior livable area: 720 sqft

Property

Details

  • Parcel number: 065045012
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Fencing: Wood
  • Has view: Yes
  • View description: Mountain(s),Neighborhood,Ocean
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 3,000 sqft
  • Features: Back Yard,Corner Lot,Front Yard

Parking

  • Total spaces: 1
  • Parking features: Door-Single,Garage
  • 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

  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
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 $4,171$50,052
Home Insurance *$119$1,428
Property Taxes $764$9,168
Electricity $398$4,786
Total$5,452$65,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$186,925/yr
40% on housing$163,560/yr
45% on housing$145,386/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

$1,146This listing

vs Other Active Listings

Avg $/sqft

ZIP 93442$445
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93442$654
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
2026-07-23Listed for sale$824,999
2024-03-14Listing removed--
2024-02-01Listed for rent$2,400
2022-01-27Listing removed--
2021-12-02Listed for rent$2,400
2021-01-19Listing removed--
2020-12-24Listed for rent$2,300
2018-07-20Listing removed$2,100
2018-07-10Listed for rent$2,100
2013-11-20Sold$355,500
1999-02-09Sold$155,000

For Sale by Agent

AgentLourdes Garcia
BrokerageGolden Valley RealEstate Group

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