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1460 Main #120, Cambria, CA, 93428

1beds
1baths
700sqft
$485,000
$693price/sqft
$3,203/moest. monthly cost
$128,120/yrincome needed

About This Home

New Construction - Affordable 1BDR Cottage Home! Showroom OPEN WEEKLY 12-3pm Weds-Sunday. Cambria's only new home development wrapping up the 2nd phase of new homes. A luxurious low maintenance cottage home in the Castle Cottages, a 55 plus community with only 20 homes. Location & Community is the appeal that thrives in the Castle Cottages. Nestled above scenic open space and whispering creek below, these are situated perfectly in between the East & West Villages of Cambria and a mile to Moonstone Beach, so ideal for routine walks and social meetups. These are custom manufactured homes assembled and craftsman finished on site with extra amenities such as paver'd parking, spacious patio decking, zero-scape landscaping and upgraded finish detail. Unit presented is #120. This home rests near the East entrance with a lovely view deck and contemporary vibe. A must see! We have a limited selection to choose from to close out this phase. Most homes are 2 Bedroom/2Bath at approximately 1100sqft ( size varies per lot ). There are only two available units that are 1 bedroom/Bath! The layout of the homes have a very modern design appeal, spacious open living area with plentiful windows and outdoor living space. Your furry loved ones ( pets ) are welcome too! If you have considered condominium ownership, this is next level! Single level living, low maintenance, room for outdoor potted gardening, No shared walls/attached neighboring homes and simply a lovely place to be. This is leased land, with a $515 a month space lease for 5 years, thereafter only $10 annual cap on increases, allowing the peace of mind of stable cost of living. The Castle Cottages community initial phase has been sold out for several years, and now the final phase has created a limited opportunity to jump into this highly desirable community. Outside of WUI (Wildfire Zone). Earthquake rated pier & beam foundation. Financing referrals are available. No short term rentals are allowed, but these also would make for an excellent second home. We are open, stop by and see this enchanting community to see if it is a match for your desired lifestyle.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

4/10
Cambria Grammar SchoolGrades K-51.1 mi
5/10
6/10
Coast Union High SchoolGrades 9-121.2 mi

Construction

Condition

  • Property condition: Turnkey
  • Year built: 2024

Materials

  • Foundation: Pier Jacks
  • Roof: Composition
  • Construction materials: HardiPlank Type

Other

  • Builder name: GFC CAMBRIA

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Gas Oven,Gas Range,Ice Maker,Refrigerator,Tankless Water Heater
  • Laundry features: Laundry Room,Stacked

Bathroom

  • Features: Separate Shower,Tub Shower

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Granite Counters,Open Floorplan,Primary Suite
  • Window features: Screens
  • Flooring: Carpet,Vinyl
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: None

Interior Area

  • Total interior livable area: 700 sqft

Kitchen

  • Features: Kitchen Island

Master Bedroom

  • Features: Primary Suite

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 013251008
  • On leased land: Yes
  • Lease amount: 515
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Covered,Deck,See Remarks
  • Exterior features: Rain Gutters
  • Spa features: None
  • Fencing: Vinyl
  • Has view: Yes
  • View description: Meadow,Mountain(s)

Lot

  • Lot size: 1,200 sqft
  • Features: Corner Lot,Drip Irrigation/Bubblers,Level

Parking

  • Total spaces: 3
  • Parking features: Driveway,On Site,Uncovered
  • Uncovered spaces: 3

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
  • 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 $2,452$29,424
Home Insurance *$95$1,140
Property Taxes $258$3,096
Electricity $398$4,786
Total$3,203$38,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,817/yr
40% on housing$96,090/yr
45% on housing$85,413/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

$693This listing

vs Other Active Listings

Avg $/sqft

ZIP 93428$567
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93428$649
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
2025-12-14Listed for sale$485,000

For Sale by Agent

AgentJay Chiasson
BrokerageNavigators Real Estate

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