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4580 Harmony Ln, Santa Maria, CA, 93455

4beds
3baths
2,012sqft
$940,000
$467price/sqft
$6,311/moest. monthly cost
$252,440/yrincome needed

About This Home

Turnkey 4-bedroom home on an oversized corner lot in one of Orcutt's most desirable neighborhoods--with NO HOA! From the moment you arrive, you'll be impressed by the exceptional curb appeal, lush landscaping, and pride of ownership throughout. Nestled in a community with multiple greenbelts, this home offers a wonderful neighborhood feel with plenty of space to enjoy the outdoors.Inside, you'll find a thoughtfully updated, move-in-ready home featuring remodeled bathrooms, an updated kitchen with raised ceilings and recessed lighting, newer flooring, dual-pane windows, fresh paint, and countless quality improvements completed over the years.Step outside to your own private backyard oasis featuring a spacious patio perfect for entertaining, a large grassy lawn, and mature lemon, lime, and orange trees that provide beauty and fresh fruit year-round. The expansive corner lot also offers RV parking, boat parking, and plenty of extra space for all your toys and hobbies.Plenty of room to build an ADU/guest house.Extensively upgraded with new windows, front door, fencing, rain gutters, exterior paint, hot water heater, recirculating pump, garage door opener, sliding glass door, updated electrical, and more, this home provides the peace of mind today's buyers are looking for.Easy freeway access, close to shopping centers, Orcutt schools, wineries and more! Move right in and enjoy everything this exceptional home has to offer.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
29
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: Double Oven,Dryer,Refrigerator,Microwave,Washer,Dishwasher
  • Laundry features: Inside

Bedrooms & Bathrooms

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

Dining Room

  • Features: In Kitchen,Breakfast Area,Dining Area

Heating & Cooling

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

Interior Area

  • Total structure area: 2,012
  • Total interior livable area: 2,012 sqft

Master Bedroom

  • Level: Lower

Property

Details

  • Parcel number: 107700028
  • Zoning description: See Remarks
  • Special condition: Standard

Features

  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Fenced Yard
  • Has view: Yes
  • View description: Hill/Peak/Mnt

Lot

  • Lot size: 0.28 Acres
  • Features: Corner Lot,Valley,Yard Sprinklers

Parking

  • Total spaces: 2
  • Parking features: Side/Rear Grg Entry,RV Access/Parking,Attached
  • Has garage: Yes
  • 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
    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 $4,753$57,036
Home Insurance *$167$2,004
Property Taxes $960$11,520
Electricity $431$5,177
Total$6,311$75,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$216,377/yr
40% on housing$189,330/yr
45% on housing$168,293/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

$467This listing

vs Other Active Listings

Avg $/sqft

ZIP 93455$335
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
2026-07-27Price change$940,000
2026-07-16Pending sale$950,000
2026-07-14Price change$950,000
2026-07-07Listed for sale$1,025,000
2004-07-08Sold$615,000

For Sale by Agent

AgentTaylor Noel
BrokerageCHAMPION Real Estate

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