Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

198 Main St #205, Pismo Beach, CA, 93449

1beds
1baths
468sqft
$575,000
$1,229price/sqft
$3,726/moest. monthly cost
$149,040/yrincome needed

About This Home

Beach Dreamers and Investors--This is the perfect place for you! Seller is moving out of state. This studio comes furnished and is located on the 2nd floor giving you the perfect view. Look out to see a beautiful partial ocean view which is just steps to the Pismo Beach Pier. Dubbed the the Starfish Room in the Beach House Inn building, it is a peaceful space decorated in cool blues and teals to give that beachy vibe you have longed for. Sleeps 4 (King and Full bed). Enjoy the Balcony with the 2 seated glider as you watch the sunsets each night. It has one spacious bathroom and a kitchenette complete with a fridge, microwave, 4 electric burners and breakfast table. 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. All utilities, insurance are included in HOA dues. Management fees are separate. All you need to do is bring your swimsuit. Located downtown Pismo it is steps away from sand and popular restaurants. Also the secured parking garage (gated) comes with its own parking space. What more could you ask for!

Getting Around

74
WalkingVery Walkable
0
TransitVery Limited Transit
67
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

  • Property condition: Turnkey
  • Year built: 2004

Materials

  • Construction materials: Cement Siding,Stucco

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Electric Cooktop,Freezer,Refrigerator
  • Laundry features: None

Bathroom

  • Features: Separate Shower

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Door features: Sliding Doors
  • Flooring: Carpet
  • Fireplace features: None
  • Common walls with other units/homes: 2+ Common Walls

Heating & Cooling

  • Heating features: Electric,Wall Furnace
  • Cooling features: None

Interior Area

  • Total interior livable area: 468 sqft

Kitchen

  • Features: Pots & Pan Drawers

Property

Accessibility

  • Accessibility features: Parking

Details

  • Parcel number: 005185007
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Entry location: first Floor
  • Pool features: None
  • Has view: Yes
  • View description: Ocean
  • Has water view: Yes
  • Water view: Ocean
  • Waterfront features: Beach Access,Ocean Access

Lot

  • Lot size: 1 Acres
  • Features: 11-15 Units/Acre

Parking

  • Total spaces: 1
  • Parking features: Covered,Driveway Level,Guest,Gated,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 $2,907$34,884
Home Insurance *$115$1,380
Property Taxes $306$3,672
Electricity $398$4,786
Total$3,726$44,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,748/yr
40% on housing$111,780/yr
45% on housing$99,360/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

$1,229This 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)

Price History

DateEventPrice
2025-10-04Listed for sale$575,000

For Sale by Agent

AgentBobby Poole
BrokerageInvision Real Estate

Similar Homes