347 Garden St, Los Osos, CA, 93402
About This Home
Rare opportunity to own a home in a desirable Los Osos location directly across from the Cuesta Inlet, offering scenic water views and views of iconic Morro Rock. This single-level home sits on a spacious lot with established landscaping and plenty of room to enhance and personalize. The property offers a small yet functional floor plan and solid potential but is ready for updating and cosmetic improvements, making it an excellent opportunity for buyers looking to build equity and create their own coastal retreat. Enjoy the peaceful setting, abundant wildlife, and proximity to bay access, hiking trails, beaches, and all the natural beauty the Central Coast has to offer. Whether you're seeking a primary residence, vacation getaway, or investment opportunity, this property presents a chance to transform a well-located home into something truly special. Separate detached studio with a3/4 bath .
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1968
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: Inside
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 1
Cooling
- Cooling features: None
Features
- Fireplace features: Electric,Living Room
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Interior Area
- Total interior livable area: 795 sqft
Property
Details
- Parcel number: 074132018
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Entry location: front
- Pool features: None
- Has view: Yes
- View description: Back Bay
- Has water view: Yes
- Water view: Back Bay
Lot
- Lot size: 4,000 sqft
- Features: 0-1 Unit/Acre
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
- Inland Flooding
- 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 | $4,171 | $50,052 |
| Home Insurance * | $109 | $1,308 |
| Property Taxes | $440 | $5,280 |
| Electricity | $398 | $4,786 |
| Total | $5,118 | $61,416 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-17 | Price change | $799,000 |
| 2026-07-26 | Listed for sale | $825,000 |
| 2026-07-26 | Contingent | $825,000 |
| 2026-07-21 | Price change | $825,000 |
| 2026-06-22 | Listed for sale | $849,000 |
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