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198 Main St #305, Pismo Beach, CA, 93449

0beds
1baths
370sqft
$559,000
$1,511price/sqft
$3,634/moest. monthly cost
$145,360/yrincome needed

About This Home

Experience coastal living at its finest in the heart of downtown Pismo Beach. Located just steps from the sand, this beautifully appointed vacation condominium at the Beach House Inn offers the perfect blend of lifestyle, convenience, and investment opportunity. Recently converted into condominium vacation rentals, this property represents a modern approach to second home ownership--completely hassle-free, with all maintenance and rental operations professionally managed by an on-site team with an established clientele. This unique hotel/condo allows the owner to stay up to 90 days per calendar year and rent out the rest of the time as investors. The property management takes care of everything from rentals to cleaning to dealing with guests. When you're not enjoying your coastal retreat, your unit works for you--generating rental income to help offset ownership costs. Enjoy panoramic ocean, surf, and beach views from your private balcony/deck, the ideal setting for relaxing or entertaining. This unit features a kitchenette and includes a cozy fireplace for added comfort. Ideally situated, you are literally steps from the beach and close to everything that makes downtown Pismo Beach so desirable--including local shops, restaurants, the boardwalk, and the iconic Pismo Pier. Additional amenities include a gated parking garage, elevator access, on-site laundry facilities, and an outdoor beach shower. Whether you're seeking a personal coastal getaway, a smart investment, or both, this is a rare opportunity to own in one of the Central Coast's most sought-after locations. Must see to truly appreciate!

Getting Around

72
WalkingVery Walkable
0
TransitVery Limited Transit
64
BikeBikeable

Schools

10/10
6/10
Judkins Middle SchoolGrades 7-80.4 mi
9/10
Arroyo Grande High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Bedrooms & Bathrooms

  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 370
  • Total interior livable area: 370 sqft

Master Bedroom

  • Level: Lower

Property

Details

  • Parcel number: 005182012
  • Special condition: Other

Lot

  • Lot size: 435.60 sqft

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
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Tsunami
    TsunamiModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Coastal Flooding
Tsunami

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 $2,826$33,912
Home Insurance *$112$1,344
Property Taxes $298$3,576
Electricity $398$4,786
Total$3,634$43,608
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,594/yr
40% on housing$109,020/yr
45% on housing$96,906/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

$1,511This listing

vs Other Active Listings

Avg $/sqft

ZIP 93449$569
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93449$679
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
2026-04-01Listed for sale$559,000
2023-06-09Sold$560,000
2023-03-02Pending sale$565,000
2023-01-16Price change$565,000
2022-10-21Listed for sale$575,000
2016-06-27Listing removed$350,000
2016-05-20Price change$350,000
2016-02-09Listed for sale$399,000
2015-02-03Listing removed$400,000
2014-08-31Listed for sale$400,000

For Sale by Agent

AgentRane Aguilar, Century 21 Masters
BrokerageCentury 21 Masters

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