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6651 Fern Canyon Rd, San Luis Obispo, CA, 93401

2beds
2baths
2,544sqft
$4,000,000
$1,572price/sqft
$23,427/moest. monthly cost
$937,080/yrincome needed

About This Home

6645 & 6651 Fern Canyon Road | 136 Acres | Coastal Ranch Estate Welcome to one of the most extraordinary ranch properties available. 136 breathtaking acres where sweeping ocean views meet gently rolling hills in a landscape that feels both expansive and offers unrivaled privacy. At the heart of the estate stands a stunning 2,544 sq. ft. custom-built main residence featuring 2 bedrooms and 2 bathrooms, crafted from rich pecky cedar with timeless character and artisan detail throughout. Panoramic windows frame spectacular views of the surrounding natural landscape, flooding every room with natural light and seamlessly connecting indoor living to the beauty outside. It's not uncommon to glance out and spot doe and bucks grazing peacefully in the grass just beyond your door. The property also includes two additional manufactured homes ready for your personal touch, a detached workshop/room adjacent to the main home, and multiple animal pens with agricultural infrastructure already in place. Endless rolling acreage provides space for riding trails, livestock, crops, or additional structures, everything you need to bring your agricultural vision to life. Whether you're envisioning a working hobby ranch, a self-sustaining homestead, a peaceful private retreat, or a multi-generational legacy estate, this property is ready to bring that vision to life. Wake up to sunrises over the hills, watch doe and bucks roam freely across the land, and end your evenings with the sun melting into the ocean horizon. This is more than land. It's a lifestyle. Property video: https://vimeo.com/1175659355?share=copy&fl=sv&fe=ci

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
24
BikeSomewhat Bikeable

Schools

9/10
Laguna Middle SchoolGrades 7-85.1 mi
10/10

Construction

Condition

  • Year built: 1975

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Interior Area

  • Total interior livable area: 2,544 sqft

Property

Details

  • Parcel number: 076271043
  • Zoning: Other

Lot

  • Lot size: 136 Acres

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
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Inland Flooding
Landslide
Wildfire
Drought
Earthquake

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 $20,226$242,712
Home Insurance *$523$6,276
Property Taxes $2,133$25,596
Electricity $545$6,546
Total$23,427$281,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$803,211/yr
40% on housing$702,810/yr
45% on housing$624,720/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

$1,572This listing

vs Other Active Listings

Avg $/sqft

ZIP 93401$831
San Luis Obispo County$558

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)

No zestimate history available

Price History

DateEventPrice
2026-05-05Listed for sale$4,000,000

For Sale by Agent

AgentWilliam C Turner III
BrokerageDouglas Elliman of California, Inc.

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