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

194 Earthwood Ln, San Luis Obispo, CA, 93401

3beds
3baths
0sqft
$964,000
--price/sqft
$6,789/moest. monthly cost
$271,560/yrincome needed

About This Home

Absolutely beautiful, turn-key, like-new home in desirable Avila Ranch, located in San Luis Obispo! This open space concept offers style and functionality with ample space on both levels. The main level welcomes you with two inviting entryways that flow to the gorgeous and spacious great room, dining room and a modern kitchen with a generous quartz center island, stainless steel appliances, and pantry. Upstairs the owner's suite includes two walk-in closets, bath with dual-sink vanity, two additional bedrooms and a conveniently located full bathroom, and an upstairs dedicated laundry room for accessibility. Designer upgrades include Coretec flooring throughout, beautifully custom-made Roman Shades on all windows, freshly painted, upgrades baseboards, and a paid solar system. 2 car garage. Great features-close to bike path, walking trails, playground, Hwy 101 and downtown San Luis Obispo. This one is truly move-in ready and meticulously maintained.

Getting Around

25
WalkingCar-Dependent
20
TransitMinimal Transit
50
BikeBikeable

Schools

7/10
9/10
Laguna Middle SchoolGrades 7-82.3 mi
10/10

Construction

Condition

  • Year built: 2024

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0

Property

Details

  • Parcel number: 053292045
  • Zoning: R1, buyer to verify
  • Zoning description: R1, buyer to verify

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 2,648 sqft

Parking

  • Total spaces: 2
  • Parking features: 2 Car Garage
  • Has garage: Yes
  • Attached garage 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
  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High

How This Home’s Risks Compare

Inland Flooding
Drought
Earthquake
Landslide
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 $4,874$58,488
Home Insurance *$126$1,512
Property Taxes $1,391$16,692
Electricity $398$4,786
Total$6,789$81,468
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$232,765/yr
40% on housing$203,670/yr
45% on housing$181,040/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 93401$857
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93401$660
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
2026-04-24Price change$964,000
2026-04-06Price change$979,000
2026-03-23Listed for sale$989,000
2024-03-28Sold$872,500

For Sale by Agent

AgentTerri Bender
BrokerageRE/MAX Golden Empire

Similar Homes