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351 Pablo Ln, Nipomo, CA, 93444

5beds
5baths
3,557sqft
$1,250,000
$351price/sqft
$8,338/moest. monthly cost
$333,520/yrincome needed

About This Home

Situated on a one-acre lot, this property features two completely refreshed, single-level Ranch-style homes, each with a two-car garage, ample room for RV parking, and zoning that permits up to three horses or 4H projects. It is an ideal setup for a multi-family dwelling or an investment property to live in one and rent the other. Main house includes fully remodeled kitchen including stainless appliances, tile, white shaker cabinetry, breakfast bar, pantry & pull out drawers, quartz countertops, living spaces w/ wood & laminate floors, living room w/ fireplace & family room w/ French doors to back yard, formal and casual dining rooms, master suite w/ 2 closets & 2 guest bedrooms, one large room with walk-in closet. Guest house is nice and bright & includes wood & laminate floors, 2 full baths, 2 bedrooms including the master suite w/ high ceilings, skylights, walk-in closet and kitchen w/ Silestone countertops, walk-in storage closet, 2 sets of sliders that lead to either the backyard or a darling, private side patio w/ flower beds, paver tiles and tankless water heater. Live in one and rent the other or use for multi-family dwelling. Main house got new roof in 2020, kitchen remodel in 2017, new windows in 2017, new plumbing in 2016, and recent paint throughout! Located in a great Nipomo neighborhood close to schools, parks, golf courses, equestrian trails and more!

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 9-122.7 mi

Construction

Condition

  • Year built: 1977

Materials

  • Foundation: Slab

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Refrigerator
  • Laundry features: In Garage

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 4
  • Main level bedrooms: 5

Features

  • Breakfast Bar,Separate/Formal Dining Room,High Ceilings,In-Law Floorplan,Open Floorplan,Pantry,All Bedrooms Down,Main Level Primary,Walk-In Closet(s)
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Gas,Living Room,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Fireplace(s)
  • Cooling features: None

Interior Area

  • Total interior livable area: 3,557 sqft

Master Bedroom

  • Features: Main Level Primary

Other

  • Features: Walk-In Closet(s)

Property

Details

  • Parcel number: 092205023
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: 0
  • Pool features: None
  • Patio & porch: Rear Porch,Concrete
  • Spa features: None
  • Fencing: Privacy,Wood
  • Has view: Yes
  • View description: Neighborhood

Lot

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

Parking

  • Total spaces: 4
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 $6,320$75,840
Home Insurance *$153$1,836
Property Taxes $1,103$13,236
Electricity $762$9,153
Total$8,338$100,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$285,874/yr
40% on housing$250,140/yr
45% on housing$222,346/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

$351This listing

vs Other Active Listings

Avg $/sqft

ZIP 93444$459
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)

No zestimate history available

Price History

DateEventPrice
2026-08-18Pending sale$1,250,000
2026-07-23Listed for sale$1,250,000
2021-08-24Sold$980,000
2021-07-10Pending sale$925,000
2021-07-07Listed for sale$925,000
1997-03-13Sold$192,500

For Sale by Agent

AgentMike Oliver
BrokerageBHGRE Haven Properties

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