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1696 Los Osos Valley Rd, Los Osos, CA, 93402

3beds
2baths
3,131sqft
$1,700,000
$543price/sqft
$11,085/moest. monthly cost
$443,400/yrincome needed

About This Home

Where space, versatility, and Central Coast living come together. Set on approximately 1 acre in the desirable Los Osos Valley, this well-maintained estate offers approximately 3,100+ sq ft with 3 bedrooms and 2 bathrooms. Thoughtfully designed with an open-concept layout that creates a seamless flow between the living, dining, and kitchen areas. Natural light fills the home, highlighting spacious interiors and a well-appointed kitchen with generous cabinetry and prep space, while the primary suite provides a comfortable and private retreat. The completely finished upper portion of this breathtaking home is currently used as a game and entertainment room complete with a powder room, the possibilities are limitless here. Outdoors, the property expands in both lifestyle and opportunity with a covered front porch, manicured entry, and charming trellis walkway. The flat, usable acreage offers exceptional flexibility for recreation, storage, or future potential, complemented by a large detached shop/garage ideal for hobbyists or additional utility. Conveniently located just minutes from town and the coast, this property delivers a rare balance of privacy, accessibility, and long-term value.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

8/10
Los Osos Middle SchoolGrades 6-81.2 mi
8/10
Morro Bay High SchoolGrades 9-125.8 mi

Construction

Condition

  • Year built: 2015

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave
  • Laundry features: Inside

Bedrooms & Bathrooms

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

Features

  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 3,131 sqft

Property

Details

  • Parcel number: 074363028
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: 0
  • Pool features: None
  • Has view: Yes
  • View description: Hills,Pasture,Valley

Lot

  • Lot size: 1.01 Acres
  • Features: 0-1 Unit/Acre

Parking

  • Total spaces: 3
  • Parking features: Door-Multi,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

How This Home’s Risks Compare

Earthquake

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 $8,596$103,152
Home Insurance *$225$2,700
Property Taxes $1,593$19,116
Electricity $671$8,056
Total$11,085$133,020
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$380,057/yr
40% on housing$332,550/yr
45% on housing$295,600/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

$543This listing

vs Other Active Listings

Avg $/sqft

ZIP 93402$459
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93402$568
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
2026-04-17Listed for sale$2,000,000
2025-02-11Listing removed--
2024-11-13Price change$1,985,000
2024-09-08Listed for sale$2,000,000
2012-01-04Sold$175,000
2011-11-02Listed for sale$275,000

For Sale by Agent

AgentMike Oliver
BrokerageBHGRE Haven Properties

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