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2610 Richard Ave, Cayucos, CA, 93430

4beds
4baths
2,264sqft
$1,998,800
$883price/sqft
$12,596/moest. monthly cost
$503,840/yrincome needed

About This Home

Sweeping ocean views stretch from the Rock to the Pier and here at 2610 Richard, you don't have to step outside to enjoy them. Nearly every window frames the Pacific, and every outdoor patio and living space does the same. This stylish Cayucos contemporary is designed to let the coast in at every turn.The main level lives beautifully as a single-story home: the primary bedroom, kitchen, living room, and a wind-sheltered, south-facing view deck all share the same floor, making daily life as effortless as the setting.Downstairs, the floorplan opens up in the best possible way. A generous second living area ideal as a game room, media room, or casual gathering space anchors the lower level alongside additional bedrooms and a wet bar. Covered outdoor patio space wraps the exterior, perfectly suited to Cayucos' mild coastal climate, and a private hot tub area with its own ocean view is ready and waiting after a long beach day.With 4 bedrooms, 3.5 bathrooms, two living areas, and en-suite privacy where it counts, this home was made for the kind of weekends worth remembering.Bring the whole crew family and friends everyone gets their own space, their own retreat, and still comes together around a view that stops conversations cold.Multigenerational getaways, friend group trips, big family gatherings the layout handles all of it with ease and grace.All of this, just a few blocks from six miles of pristine Central Coast sand. Stroll to the beach, explore the charming town of Cayucos, and come home to sunsets that never get old. This is coastal living at its finest.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

8/10

Construction

Condition

  • Year built: 1999

Materials

  • Foundation: Concrete
  • Roof: Other
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: F/S Range/Oven,Gas Appliances,Disposal,Dishwasher,Microwave,Trash Compactor
  • Laundry features: Inside,Utility Room

Basement

  • Area: 0

Bathroom

  • Features: Tub/Shower, Shower

Bedroom1

  • Area: 0

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4

Dining Room

  • Features: Formal
  • Area: 0

Family Room

  • Area: 0

Features

  • Isolated Bedroom,Isolated Bathroom,Built-in Features,Great Room,Office,Family Room,Game Room
  • Window features: Double Pane Windows
  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Central

Interior Area

  • Total structure area: 2,264
  • Total interior livable area: 2,264 sqft

Kitchen

  • Features: Eat-in Kitchen, Pantry
  • Area: 0

Living Room

  • Area: 0

Master Bedroom

  • Area: 0

Property

Details

  • Parcel number: 064203068
  • Zoning: RSF

Features

  • Levels: Two,Multi/Split
  • Stories: 2

Lot

  • Lot size: 7,714 sqft
  • Features: Urban,Other

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener
  • Attached garage spaces: 2
  • Covered 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 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 $10,107$121,284
Home Insurance *$274$3,288
Property Taxes $1,730$20,760
Electricity $485$5,825
Total$12,596$151,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$431,862/yr
40% on housing$377,880/yr
45% on housing$335,893/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

$883This listing

vs Other Active Listings

Avg $/sqft

ZIP 93430$859
San Luis Obispo County$559

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
2026-06-26Listed for sale$1,998,800
2023-09-20Sold$2,000,000
2023-08-28Pending sale$2,200,000
2023-07-29Contingent$2,200,000
2022-08-27Price change$2,200,000
2022-04-14Price change$2,550,000
2022-03-01Listed for sale$3,000,000
2007-07-16Sold$1,400,000

For Sale by Agent

AgentSarah Hedrick
BrokerageRealty Concepts, Ltd. - Fresno

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