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495 N Chorro St, San Luis Obispo, CA, 93405

3beds
3baths
1,296sqft
$838,000
$647price/sqft
$5,533/moest. monthly cost
$221,320/yrincome needed

About This Home

Prime location just steps from the Highland Entrance to Cal Poly! This recently built and well-maintained condo features a rare layout with three spacious ensuite bedrooms, each with its own full bathroom, offering privacy and flexibility ideal for shared living. The main living area includes wood laminate flooring, granite countertops, stainless steel appliances, and a cozy fireplace, with access to a private deck showcasing incredible views of Bishop Peak. An oversized 2-car garage with laundry and storage, plus on-site parking, adds everyday convenience. Located in the desirable Bella Vista six-unit development built in 2008, this property is just minutes from restaurants, shopping, parks, and daily amenities, making it an excellent opportunity for investors seeking a low-maintenance property in a high-demand location near campus. Better hurry at this price!

Getting Around

70
WalkingSomewhat Walkable
32
TransitSome Transit
85
BikeVery Bikeable

Schools

9/10
Laguna Middle SchoolGrades 7-82.7 mi
10/10

Construction

Condition

  • Year built: 2008

Materials

  • Roof: Composition

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator
  • Laundry features: In Garage

Bathroom

  • Features: Dual Sinks,Granite Counters,Tub Shower

Bedroom

  • Features: All Bedrooms Up

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Balcony,Granite Counters,Open Floorplan,All Bedrooms Up
  • Window features: Double Pane Windows
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: 2+ Common Walls

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s),Natural Gas
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,296 sqft

Kitchen

  • Features: Granite Counters,Kitchen Island,Kitchen/Family Room Combo

Property

Details

  • Parcel number: 052033073
  • Attached to another structure: Yes
  • Special condition: Standard,Trust

Features

  • Levels: Three Or More
  • Stories: 3
  • Entry location: Ground
  • Pool features: None
  • Has view: Yes
  • View description: City Lights,Mountain(s)

Lot

  • Lot size: 1,102 sqft
  • Features: Yard

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front
  • Has garage: Yes
  • 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

  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
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 $4,237$50,844
Home Insurance *$122$1,464
Property Taxes $776$9,312
Electricity $398$4,786
Total$5,533$66,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$189,702/yr
40% on housing$165,990/yr
45% on housing$147,546/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

$647This listing

vs Other Active Listings

Avg $/sqft

ZIP 93405$604
San Luis Obispo County$560

vs Homes Sold Last Month

Median $/sqft

ZIP 93405$632
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
2026-04-18Listed for sale$838,000
2008-11-26Sold$3,000

For Sale by Agent

AgentTim Riley, Century 21 Masters
BrokerageCentury 21 Masters

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