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905 Madonna Rd #41, San Luis Obispo, CA, 93405

3beds
3baths
1,587sqft
$825,000
$520price/sqft
$5,532/moest. monthly cost
$221,280/yrincome needed

About This Home

Welcome to this highly desirable corner-unit townhome in San Luis Ranch, offering an abundance of natural light and a rare, thoughtfully designed floorplan. With only a limited number of these two-story layouts available, this home presents a unique opportunity for comfortable and stylish Central Coast living. Featuring 3 bedrooms and 3 bathrooms, the home boasts an open and airy feel enhanced by numerous windows and a modern coastal farmhouse feel. The interior is appointed with durable and attractive LVT flooring throughout, quartz countertops, subway tile backsplash, plantation shutters and walk-in pantry. The spacious upstairs layout includes a separate laundry room, and a built-in desk creates a dedicated workspace—perfect for remote work and studying. The primary suite offers a cozy retreat with a walk-in tiled shower and a large walk-in closet. Guest bedrooms are well-appointed with ceiling fans for added comfort and generously sized guest bathroom. Ideally located near the San Luis Ranch Marketplace, this home combines convenience with charm—placing shopping, dining, and everyday essentials just moments away. Experience the best of Central Coast living in this beautifully maintained home.

Getting Around

63
WalkingSomewhat Walkable
30
TransitSome Transit
63
BikeBikeable

Schools

9/10
Laguna Middle SchoolGrades 7-80.9 mi
10/10

Construction

Condition

  • Property condition: Turnkey
  • Year built: 2023

Type & Style

  • Home type: Condo
  • Architectural style: Traditional
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater
  • Laundry features: Laundry Room

Bathroom

  • Features: Quartz Counters,Tub Shower,Walk-In Shower

Bedroom

  • Features: All Bedrooms Up

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Ceiling Fan(s),High Ceilings,Pantry,Quartz Counters,Recessed Lighting,All Bedrooms Up
  • Window features: Shutters
  • Flooring: Vinyl
  • Fireplace features: None
  • Common walls with other units/homes: 1 Common Wall

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,587 sqft

Kitchen

  • Features: Walk-In Pantry

Property

Details

  • Parcel number: 053603025
  • Attached to another structure: Yes
  • Special condition: Standard
  • Exclusions: Refrigerator,Ring Cameras

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Front Door
  • Pool features: Association
  • Patio & porch: Front Porch
  • Has spa: Yes
  • Spa features: Association
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 1,525 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Wildfire

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 $4,171$50,052
Home Insurance *$120$1,440
Property Taxes $843$10,116
Electricity $398$4,786
Total$5,532$66,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$189,668/yr
40% on housing$165,960/yr
45% on housing$147,520/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

$520This listing

vs Other Active Listings

Avg $/sqft

ZIP 93405$604
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93405$632
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
2026-05-12Contingent$825,000
2026-05-02Listed for sale$825,000

For Sale by Agent

AgentStacy Bland
BrokerageStacy Bland, Broker

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