1965 Spencer St , Cambria, CA 93428
$709,000
Est. Payment: $3,580.24/mo
2 Bed
2 Bath
1120 Sqft
Status: active | Days on site: 52
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House Description

Peaceful Woodland Contemporary retreat in Cambria's desirable Lodge Hill neighborhood. Nestled among serene Monterey pines and located with convenient access to Moonstone Beach, Fiscalini Ranch Preserve, art galleries, restaurants, and the charm of the East and West Villages, this home offers an exceptional opportunity to enjoy the natural beauty and relaxed lifestyle that define this beloved Central Coast community. Thoughtfully designed to embrace its natural surroundings, the inviting floor plan is filled with natural light from expansive windows, skylights, and vaulted ceilings. The living room serves as the heart of the home, featuring a fireplace, built-in wall niche, and tranquil treetop views. Adjacent dining and kitchen spaces create an effortless flow for everyday living and entertaining, with the dining area opening to a relaxing deck. The kitchen offers warmth and functionality with tile countertops, a breakfast bar, a sunny window over the sink, and an appliance package that includes an electric range, refrigerator, and microwave. Whether enjoying a leisurely morning coffee, preparing meals with fresh produce from the Friday Farmers' Market, or gathering with friends, the space provides an inviting setting for everyday living. The primary bedroom features a walk-in closet, while a second spacious bedroom provides comfortable accommodations for family, with both rooms sharing an adjoining full bathroom with beach-inspired tile details and a tub and shower combination. A powder room offers added convenience for guests, while an included Whirlpool stackable washer and dryer enhances everyday functionality. Outdoor living is a defining feature of the property. In addition to the rear deck, the front yard features raised garden beds for cultivating flowers, herbs, or vegetables, while a rooftop balcony offers views of the Santa Lucia Coastal Range, creating an inviting setting for morning coffee or unwinding in the afternoon. Completing the property is an attached one-car garage and a garden shed with electricity and a built-in desk, offering flexibility as a home office, yoga studio, workshop, or creative space. Don't miss your special opportunity to experience the natural beauty, outdoor recreation, and relaxed coastal atmosphere that have made Cambria one of California's most treasured seaside communities.

Highlights

Listed by David Campa , 805-431-0042 and Jennifer Campa , 805-781-6040 Central Coast Sotheby's International Realty , 805-781-6040. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.08

Year Built

1989

County

San Luis Obispo

Area

CAMB - Cambria

Neighborhood

Lodge Hill(430)

School District

Coast Unified

Listing ID

SC26133343

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:1
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Electric Range, Disposal, Gas Water Heater, Microwave, Refrigerator, Water Softener, Dryer, Washer
Floor:Laminate,Vinyl
Other:Breakfast Bar,Built-in Features,Balcony,Cathedral Ceiling(s),Separate/Formal Dining Room,Recessed Lighting,Tile Counters,Walk-In Closet(s)
Other:Public

Exterior Features

Lot:Front Yard,No Land Lease
Garage Capacity:1
Roof:Composition
Others:Awning(s),Wood Siding
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$3,580
Taxes
$452

Home Price

$709,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$141,800
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:
$3,580.24

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,580.24 $451.99 $0.00 $4,032.23
Yearly $42,962.90 $5,423.85 $0.00 $48,386.75
Total $1,288,887.10 $162,715.50 $0.00 $1,451,602.60

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

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Market insight data is pulled from the same city as the listing being viewed (Cambria, 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.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-08-10T18:36:54.000Z

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