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77 N Ocean Avenue #12, Cayucos, CA, 93430

2beds
2baths
938sqft
$1,199,000
$1,278price/sqft
$7,263/moest. monthly cost
$290,520/yrincome needed

About This Home

Experience the charm of California's Central Coast in this beautifully updated 2-bedroom, 2-bath end-unit condo just steps from the sand in Old Town Cayucos. With sweeping ocean views, a vacation rental license, and an established record of short-term rentals with an active VRBO profile, this coastal retreat offers the perfect blend of lifestyle and income potential. As a desirable end unit, the home enjoys added privacy, views, and natural light. Upstairs, the inviting living room opens to a private balcony where you can take in the ocean breeze and coastal views. The remodeled kitchen is both stylish and functional, featuring quartz countertops, a designer tile backsplash, gold hardware, and bar seating. A cozy breakfast nook connects the kitchen and living area, creating a welcoming space for casual meals and conversation, while a guest bath completes the upper level. Downstairs, both bedrooms provide a peaceful retreat, with a full bath conveniently situated between them for comfort and convenience. Located just a few hundred feet from Cayucos Beach and right along iconic Ocean Avenue, you'll enjoy easy access to beloved local favorites like Duckie's Chowder House, Luna Coffee Bar, and Brown Butter Cookie Company. Whether you're searching for a coastal getaway, an income-producing vacation rental, or the ideal mix of both, this rare Cayucos opportunity captures the best of Central Coast living.

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

8/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1974

Materials

  • Roof: Composition,Flat

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Residential

Interior

Appliances

  • Laundry features: Laundry Closet

Bedrooms & Bathrooms

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

Features

  • Balcony,Granite Counters,Kitchen Open to Family Room,Living Room Deck Attached,Remodeled
  • Common walls with other units/homes: 1 Common Wall,End Unit

Heating & Cooling

  • Heating features: Baseboard,Electric,Forced Air
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 938
  • Total interior livable area: 938 sqft

Property

Details

  • Parcel number: 064116022000
  • Attached to another structure: Yes

Features

  • Stories: 2
  • Patio & porch: Multiple Patios,Front Porch,Patio
  • Has view: Yes
  • View description: Downtown,Ocean
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 938 sqft
  • Features: Corner Lot
  • Lot size dimensions: Buyer to verify

Parking

  • Parking features: Guest

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 FloodingRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Earthquake
    EarthquakeModerate
  • Tsunami
    TsunamiModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Coastal Flooding
Earthquake
Tsunami
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 $6,062$72,744
Home Insurance *$164$1,968
Property Taxes $639$7,668
Electricity $398$4,786
Total$7,263$87,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$249,017/yr
40% on housing$217,890/yr
45% on housing$193,680/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

$1,278This listing

vs Other Active Listings

Avg $/sqft

ZIP 93430$872
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93430$802
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
2026-03-13Listed for sale$1,199,000
2026-01-01Listing removed$1,250,000
2025-03-04Listed for sale$1,250,000

For Sale by Agent

AgentBlake Shawn
BrokerageReal Brokerage Technologies

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