3437 Ocean , Cayucos, CA 93430
$1,549,000
Est. Payment: $7,822.00/mo
3 Bed
2 Bath
1745 Sqft
Status: active with contingency | Days on site: 27
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Wake up to panoramic Pacific Ocean views, sunsets, and whale watching from nearly every room — including two ocean-view decks — in this fully renovated Cayucos home with an active Short Term Rental license already in place. Taken down to the studs, the home was reconfigured from 2 bedrooms to a spacious 3-bedroom, 2-bath layout with an open-concept living, dining, and kitchen area built to showcase the views. A private backyard patio off the kitchen is ideal for BBQ and outdoor entertaining. The primary suite offers its own ocean-view deck, a walk-in closet, and an ensuite with a double vanity and rain/standard shower combo. The guest bath features an oversized designer walk-in shower. Nearly every system is new: plumbing, electrical, roof, sewer line, windows, flooring, driveway, doors, and appliances, plus a finished epoxy garage floor, all backed by engineered structural upgrades completed during construction. What sets this property apart is its active Short Term Rental license — a rare and increasingly hard-to-obtain permit in Cayucos, where Short Term Rental licenses are capped and tightly regulated. Buyers avoid the uncertainty, waitlists, and lengthy application process that typically come with pursuing a new license, and can start generating income from day one. This turnkey status opens the door to flexible ownership: rent it out full-time as an investment property, use it seasonally and rent the rest of the year, or enjoy it as your own coastal escape with the built-in option to offset costs through short-term guests. With whale-watching views, walkability to the beach, and a fully modernized interior, this home is positioned to command strong nightly rates in a sought-after vacation market. A rare opportunity for a full-time home, coastal getaway, or turnkey investment — move-in ready with modern systems, ocean views, and an active Short Term Rental license already in place.

Highlights

Listed by Sherry Sim , 805-234-4315 and Taylor Brindley , 805-748-3323 SIM Real Estate , 805-234-4315. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.06

Year Built

1974

County

San Luis Obispo

Area

CAYU - Cayucos

Neighborhood

Strand (530)

School District

San Luis Coastal Unified

Listing ID

SC26142270

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Gas Oven, Range Hood, Tankless Water Heater
Air Cond:Ductless,ENERGY STAR Qualified Equipment,Wall/Window Unit(s)
Fireplaces:
Floor:Tile,Vinyl
Other:Cathedral Ceiling(s),Open Floorplan,Quartz Counters,Primary Suite,Walk-In Closet(s)
Other:Public

Exterior Features

Lot:Drip Irrigation/Bubblers,Landscaped,No Land Lease
Garage Capacity:2
Roof:Composition
Others:Lighting,Rain Gutters,Additions/Alterations,Building Permit,Updated/Remodeled,Asphalt,Block,Drywall,Concrete,Stucco,Wood Siding
Sewer:Public Sewer
Parking Features:Concrete,Door-Multi,Driveway,Driveway Up Slope From Street,Garage Faces Front,Garage,Off Street
Principal Interest
$7,822
Taxes
$987

Home Price

$1,549,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$309,800
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:
$7,822.00

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,822.00 $987.49 $0.00 $8,809.48
Yearly $93,863.95 $11,849.85 $0.00 $105,713.80
Total $2,815,918.37 $355,495.50 $0.00 $3,171,413.87

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 (Cayucos, 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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