160 Terra Street

Morro Bay, CA
$ 1,125,000 Beds 3 Baths 2 Sq 1,636
Monthly Estimate* How much can I afford?

Charming 3-Bedroom Coastal Home in Morro Bay’s Sought-After Beach Tract Welcome to 160 Terra Street, a classic single-level home in Morro Bay’s desirable Beach Tract—just a short stroll from the sand, Morro Strand State Beach, and iconic views of Morro Rock. This 3-bedroom, 2-bath residence offers the quintessential Central Coast lifestyle with easy access to the Embarcadero’s restaurants, shops, and waterfront, plus nearby parks, trails, and the protected Morro Bay estuary. The home sits on a unique street-to-street lot with gated access to the backyard, providing privacy and flexibility. Inside you’ll find a largely original layout that includes a skylight in the dining area for natural light and a private bathroom in the primary bedroom. Windows have been replaced, while the rest of the home remains mostly original—offering a solid foundation for updates and personalization. This property needs a little work, making it an excellent opportunity for buyers looking to customize a coastal home and build equity in one of Morro Bay’s most convenient beach-close neighborhoods. Single-story living is the long-term character of the Beach Tract, helping preserve the open feel and ocean proximity that define this area. Enjoy mild year-round weather, morning beach strolls, sunsets over the Pacific, and the relaxed pace of Central Coast living. Whether as a primary residence, vacation home, or renovation project with strong long-term potential, 160 Terra Street delivers location, lifestyle, and opportunity.

Active Under Contract

  • Price
  • $ 1,125,000
  • City
  • Morro Bay
  • Bedrooms
  • 3
  • Full Bathrooms
  • 2
  • County
  • San Luis Obispo
  • Half Bathrooms
  • 0
  • Area
  • Morro Bay
  • Lot Size
  • 0.1422 Acres
  • Zip
  • 93442
  • Sqr Footage
  • 1,636
  • Year Built
  • 1967
  • Style
  • MLS#
  • SC26189731
Listed By: Kathleen Thomson with Rock View Realty; 805-440-4273
Data Source: California Regional MLS (CRMLS)

Features

General

Living Area 1636
Sewer Public Sewer
Heating Electric
Cooling None
Utilities Electricity Connected,Water Connected
Possession Close Of Escrow
Roof Asphalt
Appliances Electric Oven,Electric Range,Electric Water Heater,Refrigerator
Garage Spaces 2
Patio/Porch Features Concrete,Deck
Architectural Style Ranch
Pool Features None
Year Built 1967
View Peek-A-Boo
Stories Count 1
Levels One
Property Subtype Single Family Residence
Community Features Biking,Curbs,Dog Park,Fishing,Golf,Hiking,Park,Sidewalks
Accessibility None
County San Luis Obispo
New Construction false
Property Type Residential
HOA false
Attached Garage true
Contingency contingencies removed
Subdivision Name Beach Tract(730)
Garage Y/N true
Other Structures Shed(s)
Full Baths 2
Special Listing Conditions Trust
Status Active Under Contract
Directions HWY 1 take San Jacinto west towards ocean. Right on Sandalwood. Right of Terra. House is second on the right
City Morro Bay
Entry Location front of house
Senior Community Y/N false
High School District San Luis Coastal Unified
Number Of Units Total 1
MLS Area MRBY - Morro Bay
Lot Size Units Square Feet
Lot Size Square Feet 6195
Listing Terms Cash,Cash to New Loan,Conventional
Spa Features None
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 Under Contract
Occupancy Type Vacant
Year Built Source Assessor
Tax Lot 2
Property Sub Type Additional Single Family Residence
PostalCity MORRO BAY

Interior Features

Interior Amenities Wet Bar,Breakfast Bar,Ceiling Fan(s),Separate/Formal Dining Room,All Bedrooms Down
Flooring Carpet,Vinyl
Fireplace Features Electric,Living Room
Total Stories 1
Common Walls No Common Walls
Air Conditioning Y/N false
Heating Y/N true
Fireplace Y/N true
Laundry Features In Garage
Total Bedrooms 3
Entry Level 1
Main Level Bedrooms 3
Main Level Bathrooms 2
LivingAreaSource Assessor
Total Baths 2

Exterior Features

Fencing Brick,Wood
Parking Features Driveway Level,Garage Faces Front
Lot Features Front Yard,Lawn,Street Level
Water Source Public
Total Parking 2
Lot Size Area 6195
Spa false
Lot Size Acres 0.1422
Road Surface Type Paved
Private Pool false
Lot Size Source Assessor
Door Features Sliding Doors
Road Frontage Type City Street

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

8/31/2026 Listed $1,125,000

Property vs Zip Code Average in 93442

Price
AVG $1.41M
$1.13M
Year Built
AVG 1981
1967

In The Neighborhood

Areas That We Cover

160 Terra Street Morro Bay, CA is a Single Family Home for sale at $1125000 with 1636 sqft and a lot size of 0.1422 Acres Acre(s). 160 Terra Street Morro Bay has 3 bedrooms, 2 baths and was built in 1967. The property's zip code is 93442 which is in Morro Bay, 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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