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165 W El Campo Rd, Arroyo Grande, CA, 93420

4beds
4baths
2,785sqft
$1,895,000
$680price/sqft
$12,138/moest. monthly cost
$485,520/yrincome needed

About This Home

Set on over two acres on the east side of Arroyo Grande, this gated property delivers scale, style, and a layout that lives like a single-level. A landscaped approach and brick walkway lead to a welcoming front entry. Inside, the formal living room is filled with natural light and centered around a fireplace. Wide plank wood flooring runs throughout the main living areas, creating a clean and elevated feel. The dining space, finished with a recessed ceiling and chandelier, opens to both the kitchen and backyard for easy flow. The kitchen stands out with dark cabinetry, granite counters, stainless steel appliances, and a large island with seating, gas cooktop, hood, and prep sink. A nearby dry bar adds beverage refrigeration, wine storage, and glass cabinetry, ready for hosting. The family room offers a second living space with high ceilings and a more relaxed setting. The primary suite is expansive, complete with a private office, walk-in closet, and a well-designed bath with dual sinks, soaking tub, and separate shower. Two additional bedrooms share a Jack and Jill bath. A half bath, laundry room with sink, and attached garage complete the main level. Upstairs, a loft-style bedroom with its own bath creates a flexible second primary or guest retreat. The backyard is built for outdoor living, featuring mature shade trees, a concrete patio, and a full outdoor kitchen with barbecue, refrigerator, and prep sink. Beyond, the property continues with a separate gated service drive, storage building, an agricultural well, and ample space for RV parking, equipment, or future plans. A rare combination of usable land, flexible living, and refined design in one of the Central Coast’s most desirable settings.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

7/10
Oceano Elementary SchoolGrades K-62.9 mi
6/10
Paulding Middle SchoolGrades 7-82.6 mi
8/10
Nipomo High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 1966

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,Dishwasher,Gas Cooktop,Microwave,Refrigerator,Range Hood
  • Laundry features: Inside,Laundry Room

Bathroom

  • Features: Bathtub,Dual Sinks,Enclosed Toilet,Hollywood Bath,Tub Shower

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),High Ceilings,Recessed Lighting,Storage,Main Level Primary,Multiple Primary Suites,Primary Suite,Walk-In Closet(s)
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total interior livable area: 2,785 sqft

Kitchen

  • Features: Granite Counters,Kitchen Island

Master Bedroom

  • Features: Multiple Primary Suites

Master Bedroom

  • Features: Main Level Primary

Master Bedroom

  • Features: Primary Suite

Other

  • Features: Walk-In Closet(s)

Property

Details

  • Parcel number: 075241019
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Brick,Concrete,Patio,Porch
  • Exterior features: Barbecue,Rain Gutters
  • Spa features: None
  • Has view: Yes
  • View description: Hills

Lot

  • Lot size: 2.12 Acres
  • Features: 0-1 Unit/Acre,Back Yard,Front Yard,Street Level

Parking

  • Total spaces: 13
  • Parking features: Driveway,Garage,Paved,Uncovered,Unpaved
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Uncovered spaces: 10

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
    EarthquakeRelatively High
  • Wildfire
    WildfireRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Wildfire
Drought

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 $9,582$114,984
Home Insurance *$281$3,372
Property Taxes $1,678$20,136
Electricity $597$7,166
Total$12,138$145,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$416,160/yr
40% on housing$364,140/yr
45% on housing$323,680/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

$680This listing

vs Other Active Listings

Avg $/sqft

ZIP 93420$573
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93420$549
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)

Price History

DateEventPrice
2026-05-05Listed for sale$1,895,000
2023-03-31Sold$1,075,000
2023-02-07Listing removed--
2022-12-21Listed for rent$5,000
1998-05-11Sold$226,500

For Sale by Agent

AgentLindsey Harn
BrokerageChristie's International Real Estate Sereno

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