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1935 Spencer St , Cambria, CA 93428
$715,000
Est. Payment: $3,610.54/mo
2 Bed
2 Bath
1026 Sqft
Status: active | Days on site: 115
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Chris Heller
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House Description

Situated on the mountain side of Cambria‘s Top Of The World location, this property has cool views of the San Lucia Mountains and a microclimate that is often warmer, sunnier and less windy than many other areas of town. This two bedroom, two bath house has a bonus loft which could be a home office or an art studio. Heck, when it’s your house, you can use it however you’d like! The high ceilings above the wood-burning fireplace in the living room make the house feel much bigger. This property offers some additional elbow room, as it is located next to and across from multiple vacant lots. The adjacent oversized double lot to the south is owned by the owner of this house, and is available to purchase via a separate escrow. Other amenities include an extra deep one-car garage, front and back decks, and washer and dryer hook-ups both upstairs and in the garage.
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Highlights

Listed by Bob Kasper , 805-927-3200 The Real Estate Company of Cambria , 805-927-3200. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential
Lot/Acreage
0.04

Year Built

1985

County

San Luis Obispo

Area

CAMB - Cambria

 Neighborhood

Top of the World(2170)

 School District

Coast Unified

Listing ID

SC26058000

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:1
  • ▪ 3/4 Bathrooms:1
Appliances:Dishwasher, Disposal, Gas Range, Microwave, Refrigerator
Floor:Carpet,Stone,Wood
Other:Beamed Ceilings,Balcony,Cathedral Ceiling(s),Laminate Counters,Recessed Lighting,Storage,Loft,Main Level Primary,Multiple Primary Suites
Other:Public

Exterior Features

Lot:Sloped Up,No Land Lease
Garage Capacity:1
Roof:Composition,Shingle
Sewer:Public Sewer
Parking Features:Asphalt,Driveway,Garage
Principal Interest
$3,611
Taxes
$456

Home Price

$715,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$143,000
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:
$3,610.54

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,610.54 $455.81 $0.00 $4,066.35
Yearly $43,326.48 $5,469.75 $0.00 $48,796.23
Total $1,299,794.47 $164,092.50 $0.00 $1,463,886.97

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: 2026-08-10T20:37:41.000Z

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