1097 Saint Mary

Cayucos, CA
$ 1,475,000 Beds 3 Baths 2.5 Sq 2,200
Monthly Estimate* How much can I afford?

Ocean Views for Days! Relive the charm of the ’70s or bring your vision and a few updates to create your own coastal retreat. This 3-bedroom, 2½-bath home offers stunning views of Estero Bay and endless potential. The main level features two bedrooms, two bathrooms, a kitchen, and a spacious living room—all taking advantage of the spectacular ocean and bay views. Downstairs, you’ll find a third bedroom, laundry area, and a huge open space with plenty of possibilities. Create the ultimate game room, home gym, office, or reconfigure the space to add another bedroom or two. Outside, the generous lot is a blank canvas ready for you to create your own coastal oasis, with plenty of room to enhance the property and enjoy the surrounding beauty. Whether you’re looking for a home with character, an investment opportunity, or a property you can transform into your dream coastal getaway, this one is ready for your imagination. Come see the views and envision the possibilities!

Active

  • Price
  • $ 1,475,000
  • City
  • Cayucos
  • Bedrooms
  • 3
  • Full Bathrooms
  • 2
  • County
  • San Luis Obispo
  • Half Bathrooms
  • 1
  • Area
  • Cayucos
  • Lot Size
  • 0.1381 Acres
  • Zip
  • 93430
  • Sqr Footage
  • 2,200
  • Year Built
  • 1974
  • Style
  • MLS#
  • SC26174232
Listed By: Bob Bennett with Horizon Realty & Property Mgt; 805-202-6390
Data Source: California Regional MLS (CRMLS)

Features

General

Living Area 2200
Sewer Public Sewer
Cooling None
Garage Spaces 2
Pool Features None
Year Built 1974
View Panoramic
Stories Count 2
Levels Two
Property Subtype Single Family Residence
Community Features Fishing,Hiking,Water Sports
County San Luis Obispo
New Construction false
Property Type Residential
HOA false
Attached Garage false
Subdivision Name Cayucos Rural(520)
Garage Y/N true
Full Baths 2
Special Listing Conditions Standard
Status Active
Directions Highway 1 North to 2nd Cayucos off ramp (13th St.) exit 284. Take immediate right to Santa Ysabel. Go up the hill. Turns into Park. House is on the left. Park in upper driveway.
City Cayucos
Entry Location upper story
Senior Community Y/N false
High School District San Luis Coastal Unified
Number Of Units Total 1
MLS Area CAYU - Cayucos
Lot Size Units Square Feet
Lot Size Square Feet 6014
Listing Terms Cash,Cash to New Loan
Property Attached Y/N false
Land Lease Y/N false
Additional Parcels Y/N false
Lease Considered Y/N false
Structure Type House
Living Area Units Square Feet
Standard Status Active
Occupancy Type Vacant
Year Built Source Estimated
Tax Lot 18
Property Sub Type Additional Single Family Residence
PostalCity CAYUCOS

Interior Features

Fireplace Features Free Standing
Total Stories 2
Common Walls No Common Walls
Air Conditioning Y/N false
Fireplace Y/N true
Half Baths 1
Laundry Features Inside
Total Bedrooms 3
Entry Level 2
Main Level Bedrooms 2
Main Level Bathrooms 2
LivingAreaSource Estimated
Total Baths 3

Exterior Features

Lot Features 0-1 Unit/Acre,Sloped Down
Water Source Public
Total Parking 2
Lot Size Area 6014
Lot Size Acres 0.1381
Private Pool false
Lot Size Source Assessor

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Temecula, CA office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

8/13/2026 Listed $1,500,000
8/27/2026 2% - $1,475,000

Property vs Zip Code Average in 93430

Price
AVG $2.98M
$1.48M
Year Built
AVG 1987
1974

In The Neighborhood

Areas That We Cover

1097 Saint Mary Cayucos, CA is a Single Family Home for sale at $1475000 with 2200 sqft and a lot size of 0.1381 Acres Acre(s). 1097 Saint Mary Cayucos has 3 bedrooms, 2 baths and was built in 1974. The property's zip code is 93430 which is in Cayucos, CA

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

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