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320 Pablo Ln, Nipomo, CA, 93444

4beds
3baths
2,212sqft
$1,195,000
$540price/sqft
$7,715/moest. monthly cost
$308,600/yrincome needed

About This Home

320 Pablo Lane offers over 1.2 acres, this property offers a comfortable 4-bedroom, 2.5-bath home with a three-door garage and ample space to park oversized vehicles, RVs, trailers, and equipment. The expansive lot provides room for gardening, hobby agriculture, outdoor projects, and potential animal space (buyer to verify permitted uses). Nestled on a quiet rural lane in Nipomo, the single-level home is anchored by two cozy brick fireplaces and generous windows that bring in natural light, creating a warm and welcoming atmosphere throughout. The dining area features a classic brick fireplace and a large front window, making it an ideal space for everyday meals or special gatherings. Just off the dining room, the kitchen is designed for both function and entertaining, with an island and breakfast bar, stainless steel appliances, built-in shelving, and abundant counter space. The living room offers another comfortable gathering spot with a brick fireplace and a sliding glass door that leads to the sunroom, blending indoor and outdoor living. A convenient half bath is located nearby for guests. The private primary bedroom includes an en-suite bath with a double vanity, walk-in shower, and privacy door for added comfort. Down the hallway, additional bedrooms offer closet space and easy access to a full bathroom with a double vanity. A dedicated laundry area with cabinets and a sink adds everyday convenience. There's a two-story workshop on the property with electricity and plumbing, and it can possibly be converted into a secondary residence. Outside, a screened-in porch expands the living space and offers a protected spot to relax, dine, or entertain while enjoying the coastal air. Combining a practical floor plan with multiple fireplaces, generous storage, and usable acreage, Oak Hollow presents a versatile opportunity on the Central Coast.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
Mesa Middle SchoolGrades 7-85.8 mi
8/10
Nipomo High SchoolGrades 9-122.6 mi

Construction

Condition

  • Property condition: Repairs Cosmetic,Updated/Remodeled
  • Year built: 1982

Materials

  • Foundation: Slab
  • Roof: Asphalt,Shingle
  • Construction materials: Brick,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: 6 Burner Stove,Dishwasher,Gas Cooktop,Disposal,Gas Oven,Gas Range,Refrigerator
  • Laundry features: Washer Hookup,Laundry Room

Bathroom

  • Features: Bathtub,Dual Sinks,Enclosed Toilet,Full Bath on Main Level,Solid Surface Counters,Separate Shower,Walk-In Shower

Bedroom

  • Features: All Bedrooms Down

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 4

Features

  • Breakfast Bar,Open Floorplan,Recessed Lighting,All Bedrooms Down,Bedroom on Main Level,Instant Hot Water,Main Level Primary,Primary Suite
  • Door features: French Doors
  • Flooring: Concrete
  • Fireplace features: Family Room,Gas,Living Room,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total interior livable area: 2,212 sqft

Kitchen

  • Features: Kitchen Island,Kitchen/Family Room Combo,Remodeled,Updated Kitchen

Master Bedroom

  • Features: Primary Suite

Master Bedroom

  • Features: Main Level Primary

Property

Accessibility

  • Accessibility features: Parking

Details

  • Parcel number: 092205016
  • Zoning: RS
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Front Door
  • Pool features: None
  • Spa features: None
  • Fencing: Wood
  • Has view: Yes
  • View description: Neighborhood
  • Horses can be raised: Yes

Lot

  • Lot size: 1.20 Acres
  • Features: 2-5 Units/Acre,Back Yard,Front Yard,Garden,Horse Property,Level,Rectangular Lot,Street Level,Value In Land,Yard

Parking

  • Total spaces: 3
  • Parking features: Driveway Level,Garage Faces Front,Oversized,RV Hook-Ups,RV Gated
  • 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

  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Drought
Earthquake
Inland Flooding
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 $6,042$72,504
Home Insurance *$146$1,752
Property Taxes $1,053$12,636
Electricity $474$5,692
Total$7,715$92,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$264,514/yr
40% on housing$231,450/yr
45% on housing$205,733/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

$540This listing

vs Other Active Listings

Avg $/sqft

ZIP 93444$451
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93444$508
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
2026-07-14Listed for sale$1,195,000
2021-04-01Sold$834,000
1995-09-29Sold$225,000

For Sale by Agent

AgentAbel Contreras
BrokerageInvest SLO

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