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424 Cabo San Jose, Santa Maria, CA, 93455

4beds
3baths
1,725sqft
$779,900
$452price/sqft
$5,243/moest. monthly cost
$209,720/yrincome needed

About This Home

Charming single-story residence located in the desirable Toby Villas community. This home features 4 spacious bedrooms and 3 bathrooms, complemented by an open-concept floor plan designed for comfortable living and entertaining. The updated kitchen offers ample cabinetry and functional workspace, while wood flooring and a classic brick fireplace add warmth and character to the living area. The garage has been converted into a Junior ADU, providing added flexibility for extended family, guests, or potential rental income. The generously sized backyard offers plenty of space for outdoor entertaining, gardening, or relaxing. Don’t miss this excellent opportunity to own a versatile home in a great location. Schedule your private showing today! Information deemed reliable but not guaranteed

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
73
BikeVery Bikeable

Schools

7/10
Bill Libbon ElementaryGrades K-60.7 mi
2/10
6/10

Construction

Condition

  • Year built: 1984

Materials

  • Roof: Clay
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Laundry features: Gas Dryer Hookup,Outside

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

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

Features

  • All Bedrooms Down
  • Flooring: Wood
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Common walls with other units/homes: 1 Common Wall

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,725 sqft

Property

Details

  • Parcel number: 128087026
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Front
  • Pool features: None
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 5,227 sqft
  • Features: 0-1 Unit/Acre

Parking

  • Parking features: Driveway

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

  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
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 $3,943$47,316
Home Insurance *$138$1,656
Property Taxes $764$9,168
Electricity $398$4,786
Total$5,243$62,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$179,760/yr
40% on housing$157,290/yr
45% on housing$139,813/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

$452This 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
2026-05-07Listed for sale$779,900
2025-06-25Sold$775,000
2018-01-24Sold$360,000
2009-05-12Sold$200,000
2008-12-29Sold$163,111
2004-10-29Sold$390,000
2001-02-27Sold$174,000

For Sale by Agent

AgentRosemarie Dumadara Koerner
BrokerageNew America Realty

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