432 Emerald Bay , Arroyo Grande, CA 93420
$1,724,950
Est. Payment: $8,710.49/mo
4 Bed
2.5 Bath
3316 Sqft
Status: pending | Days on site: 37
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

House Description

Welcome to 432 Emerald Bay Drive, a beautifully updated residence in the prestigious Royal Oaks neighborhood of Arroyo Grande, ideally positioned on an 0.384-acre lot with distant ocean views, rolling hills, and a thoughtfully designed floor plan. Offering approximately 3,316 sq.ft. of living space, this spacious two-story home features 4 bedrooms, 3 bathrooms, an oversized loft, formal and informal living spaces, vaulted ceilings, abundant natural light, and an attached two-car garage. Recent improvements include new flooring throughout, fresh interior and exterior paint, new windows throughout, and updated front and backyard landscaping. A dramatic foyer with soaring ceilings opens to light-filled living spaces where expansive windows frame hillside views. The formal living room and separate dining room provide comfortable spaces for entertaining, while the spacious family room connects seamlessly to the kitchen and breakfast nook. The kitchen offers generous workspace, abundant cabinetry, and a thoughtful layout designed for both daily living and gracious entertaining. A main-level bedroom or office, full bathroom, laundry room, and built-in cabinetry add flexibility and convenience. Upstairs, the owner's suite is one of the home's most distinctive features. Designed in an octagonal shape with windows on multiple sides, the suite captures distant dune and ocean views. The spacious retreat includes dual closets, dual vanities, and a large shower, creating a truly spa-like setting. The 2 additional bedrooms, bathroom, and the oversized loft provide flexibility for guests,

Highlights

Listed by Joesef Silva-Jackson , 805-704-9133 SLO Life Realty Group , 805-272-9599. San Diego County Multiple Listing Service mls logo

Property Type

Residential

Lot/Acreage
0.38

Year Built

1990

County

San Luis Obispo

Listing ID

SC26131190

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2.5
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Air Cond:N/K
Fireplaces:FP in Family Room
Other:Recessed Lighting
Other:Public

Exterior Features

Garage Capacity:2
Roof:Shingle
Sewer:Public Sewer
Parking Features:Garage - Two Door
Principal Interest
$8,710
Taxes
$1,100

Home Price

$1,724,950

Loan Details

30 yrs
6.487%

Down Payment

20%
$344,990
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$8,710.49

Principal

Taxes

Principal Taxes HOA Total
Monthly $8,710.49 $1,099.66 $0.00 $9,810.15
Yearly $104,525.90 $13,195.87 $0.00 $117,721.76
Total $3,135,776.88 $395,876.03 $0.00 $3,531,652.90

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
Market insight data is pulled from the same city as the listing being viewed (Arroyo Grande, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

The data relating to real estate for sale on this web site comes in part from the San Diego MLS, Inc.. Real estate listings held by brokerage firms other than Heller Real Estate Group | eXp Realty of Southern California | PLACE are marked with the IDX logo. Property locations as displayed on any map are best approximations only and exact locations should be independently verified.

This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g. square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, noncommercial use in accordance with the foregoing purpose are prohibited. Redistribution or copying of this information, any photographs or video tours is strictly prohibited. This information is derived from the Internet Data Exchange (IDX) service provided by San Diego MLS. Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display. The information and any photographs and video tours and the compilation from which they are derived is protected by copyright. Compilation © 2026 San Diego MLS.

IDX service by Blueroof 360

Data last updated: 2026-08-10T22:38:39.000Z

© 2026 San Diego County Multiple Listing Service

MLS Logo - San Diego County Multiple Listing Service