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321 Inger Dr Unit M-123, Santa Maria, CA, 93454

1beds
1baths
683sqft
$288,800
$423price/sqft
$2,052/moest. monthly cost
$82,080/yrincome needed

About This Home

Fresh and appealing Las Palmas home with attractive plank flooring in this open plan. The sparkling kitchen opens to the fan-cooled dining area and the large living room. The adjoining balcony offers fresh tree-lined views and includes the laundry room--complete with washer & dryer. The spacious bedroom features a deep walk-in closet, additional storage in the adjoining hall, and a large bathroom. End location overlooking green belt. There are 2 covered parking spaces for this unit plus guest parking available. This move-in-ready home is ideal for easy living in a convenient location--near shopping, schools, and the post office. This is the most affordable HOA fee in a well-maintained complex. Ideal for owner-occupancy or investment, making this an even greater opportunity.

Getting Around

74
WalkingVery Walkable
0
TransitVery Limited Transit
66
BikeBikeable

Schools

7/10
Bill Libbon ElementaryGrades K-60.5 mi
2/10
6/10

Construction

Condition

  • Year built: 1991

Materials

  • Foundation: Raised
  • Roof: Tile
  • Construction materials: Stucco

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Oven/Range-Gas,Dryer,Refrigerator,Microwave,Washer,Dishwasher
  • Laundry features: Gas Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Dining Area

Features

  • Window features: Double Pane Windows
  • Flooring: Carpet,Laminate

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 683
  • Total interior livable area: 683 sqft

Property

Details

  • Parcel number: 128115063
  • Zoning description: Residential
  • Special condition: Agent Rel/Princ

Features

  • Stories: 1
  • Entry location: Stairs to Entry
  • Pool features: Optional Service
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Other

Lot

  • Lot size: 871.20 sqft

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
  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Landslide

FEMA Declared Disasters in Santa Barbara 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 $1,460$17,520
Home Insurance *$53$636
Property Taxes $141$1,692
Electricity $398$4,786
Total$2,052$24,624
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,354/yr
40% on housing$61,560/yr
45% on housing$54,720/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$423This listing

vs Other Active Listings

Avg $/sqft

ZIP 93454$288
Santa Barbara County$1,075

vs Homes Sold Last Month

Median $/sqft

ZIP 93454$409
Santa Barbara County$735

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
2026-08-12Contingent$288,800
2026-08-10Pending sale$288,800
2026-08-04Contingent$288,800
2026-07-31Listed for sale$288,800
2026-07-10Contingent$288,800
2026-07-10Pending sale$288,800
2026-06-26Listed for sale$288,800
2026-06-07Contingent$288,800
2026-06-07Pending sale$288,800
2026-05-27Price change$288,800
2026-05-20Listed for sale$298,800

For Sale by Agent

AgentJoanie James
BrokeragePacific Premier Properties

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