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4587 Monaco Ct, Santa Maria, CA, 93455

4beds
4baths
3,175sqft
$999,490
$315price/sqft
$7,047/moest. monthly cost
$281,880/yrincome needed

About This Home

MULTIGENERATIONAL LIVING OPPORTUNITYDREAM HOME IN ORCUTT | 4 BED | 3.5 BATH | 3175 SQ FT HUGE LOTWelcome to this stunning single-story home located on a spacious corner lot in aquiet cul-de-sac! This property boasts 4 bedrooms and 3.5 bathrooms, providingample space for all your needs. Includes 2 bedrooms with ensuite bathrooms making it ideal for Multi-Generational living or hosting guests. The gated RV parking and3-car garage offer plenty of room for all your vehicles and toys. Inside, you'll finda beautifully updated kitchen and bathrooms, along with multiple solar tubesthat flood the space with natural light. The wide hallways and grab bars add to theconvenience and safety of this home. The huge laundry room, formal dining andliving rooms, and large informal dining area and family room provide plenty of spacefor entertaining and relaxing. With two fireplaces and a huge covered patio, you'lllove spending time in this beautiful home. And with its close proximity to award-winning grade schools in Orcutt, this property is perfect for extended families. Located near highly regarded schools, shopping, dining, and local amenities, this home offers the perfect blend of tranquility and convenience. Don't miss your chance to own this incredible home!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
4/10
6/10

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Refrigerator,Microwave,Disposal,Dishwasher
  • Laundry features: Inside,Gas Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: Formal/Separate,Breakfast Area,Dining Area,In Living,Breakfast Bar,In Kitchen

Features

  • Window features: Double Pane Windows
  • Flooring: Carpet,Tile
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Living Room
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 3,175
  • Total interior livable area: 3,175 sqft

Master Bedroom

  • Level: Lower

Property

Accessibility

  • Accessibility features: Grip-Accessible Features

Details

  • Parcel number: 107690010
  • Zoning description: Residential,Residential Single Family
  • Special condition: Standard

Features

  • Stories: 1
  • Entry location: No Stairs to Entry
  • Patio & porch: Patio Covered
  • Exterior features: Dog Run
  • Fencing: Fenced Yard,Fenced
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 0.28 Acres
  • Features: Cul-De-Sac,Corner Lot,Level,Yard Sprinklers,Sidewalks,Street Lights,Curbs/Gutter

Parking

  • Total spaces: 3
  • Parking features: RV Access/Parking,Attached
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide

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 $5,053$60,636
Home Insurance *$177$2,124
Property Taxes $1,137$13,644
Electricity $680$8,170
Total$7,047$84,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$241,611/yr
40% on housing$211,410/yr
45% on housing$187,920/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

$315This listing

vs Other Active Listings

Avg $/sqft

ZIP 93455$337
Santa Barbara County$1,075

vs Homes Sold Last Month

Median $/sqft

ZIP 93455$410
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
2026-05-08Listed for sale$999,500
1996-08-15Sold$262,500

For Sale by Agent

AgentKrista Murchison
BrokerageO.I.C. Real Estate Services

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