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4582 4th St, Carpinteria, CA, 93013

5beds
4baths
0sqft
$3,200,000
--price/sqft
$20,635/moest. monthly cost
$825,400/yrincome needed

About This Home

Located in the charming beach town of Carpinteria, this custom-built, owner-occupied duplex presents an exceptional opportunity for investors, owner occupants, or multigenerational living. The second floor residence offers over 1,800 square feet of beautifully updated living space, featuring 3 spacious bedrooms and 2 bathrooms. The recently remodeled kitchen showcases elegant quartz countertops and brand new stainless steel appliances, including a refrigerator, stove, microwave, and dishwasher. Generously sized bedrooms offer oversized closets, while in-unit washer and dryer hookups provide added convenience. A large private deck creates the perfect space to relax! The 3rd floor residence also boasts more than 1,800 square feet and is filled with warmth and character. Saltillo tile floors , tongue-and-groove wood ceilings, throughout the living room, dining room, and primary bedroom. The kitchen features soapstone countertops, a farmhouse sink, ample cabinetry with convenient pull out shelving, and plenty of counter space for the cook in the family! A secondary bedroom includes a custom built-in Murphy bed complete with shelving, a desk, an oversized closet, and a ceiling fan. The spacious primary suite features hardwood flooring, a built-in entertainment center, ceiling fan, a large walk-in closet, and an expansive en-suite bathroom. Direct access from the primary bedroom leads to the private rooftop deck, where a hot tub awaits on a hardwood deck with spectacular panoramic views of the Pacific Ocean and the Rincon mountain range. Whether you're seeking a unique investment property, rental income, or a home for extended family this is a rare chance to own a versatile and beautifully appointed property in one of Southern California's most sought after coastal communities!!

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
67
BikeBikeable

Schools

3/10
Aliso Elementary SchoolGrades K-50.1 mi
5/10
7/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1987

Materials

  • Foundation: Slab

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Laundry features: In Unit

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4

Features

  • Flooring: Hardwood,Other,Wood/Laminate

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Ceiling Fan(s)

Property

Details

  • Parcel number: 003431012
  • Zoning: PRD

Features

  • Stories: 3

Lot

  • Lot size: 6,098 sqft

Parking

  • Total spaces: 6
  • Parking features: Garage
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide
Wildfire

FEMA Declared Disasters in Santa Barbara 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 $16,180$194,160
Home Insurance *$418$5,016
Property Taxes $3,639$43,668
Electricity $398$4,786
Total$20,635$247,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$707,485/yr
40% on housing$619,050/yr
45% on housing$550,266/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 93013$2,019
Santa Barbara County$1,073

vs Homes Sold Last Month

Median $/sqft

ZIP 93013$1,094
Santa Barbara County$735

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
2026-07-15Price change$3,200,000
2026-07-01Listed for sale$3,500,000

For Sale by Agent

AgentErik Moen
BrokerageRe/Max Gold Coast Realtors

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