1646 4th St , Los Osos, CA 93402
$989,000
Est. Payment: $5,428.00/mo
3 Bed
2 Bath
1955 Sqft
0.14 Acres
Status: Active | Days on site: 1
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House Description

Charming and spacious 3 bedroom, 2 bath home located directly across from Sweet Springs Nature Preserve in Baywood Park. Offering approx. 1,955 SF of comfortable living space all on one level, the home has abundant natural light and thoughtful features throughout. The home’s distinctive coastal character is highlighted by peaceful views of the Morro Bay Estuary, dunes, and iconic Morro Rock from the front porch and family room. The inviting interior features a dedicated foyer, vaulted tongue-and-groove wood ceilings in the family room, large walk-in kitchen pantry, primary ensuite bedroom, a cozy breakfast nook with morning light, and also a separate dining room - perfect for both everyday living and entertaining. The oversized two-car garage provides ample space, plus a generous workspace area; this workspace area is unique in that the footprint is mirrored on the floor directly above, offering potential for a future elevator installation, further solidifying ‘single-level living’. Storage is exceptional - plenty throughout the interior of the home, plus a substantial and easily accessible area beneath the house which is spacious enough to stand up in, and is conveniently accessed through a dedicated door in the garage. With its generous proportions, one level living, abundant storage, natural light, coastal views, and unique possibilities for future improvements and customization, this home offers a wonderful combination of charm, function, and potential.

Highlights

Listed by Monica Chudgar , 805-234-2908 Lotus Real Estate Services , 805-234-2908. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.14

Year Built

1988

County

San Luis Obispo

Area

OSOS - Los Osos

Neighborhood

Town of El Moro(680)

School District

San Luis Coastal Unified

Listing ID

SC26208700

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:1
  • ▪ 3/4 Bathrooms:1
Appliances:Dishwasher, Electric Oven, Electric Range, Free-Standing Range, Microwave, Refrigerator, Water Heater
Floor:Carpet,Vinyl
Other:
  • ▪ Additional:Breakfast Bar, Breakfast Area, Separate/Formal Dining Room, Eat-in Kitchen, High Ceilings, Pantry, Tile Counters, All Bedrooms Up, Bedroom on Main Level, Main Level Primary, Primary Suite, Walk-In Pantry, Walk-In Closet(s)
Water:Public

Exterior Features

Lot:Back Yard,Front Yard,Gentle Sloping,Yard,No Land Lease
Garage Capacity:4
Others:
  • ▪ Additional:Drywall, Wood Siding
Sewer:Public Sewer
Parking Features:Driveway,Garage
Principal Interest
$5,428
Taxes
$630

Home Price

$989,000

Loan Details

30 yrs
7.307%

Down Payment

20%
$197,800
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:
$5,428.00

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,428.00 $630.49 $0.00 $6,058.49
Yearly $65,136.02 $7,565.85 $0.00 $72,701.87
Total $1,954,080.54 $226,975.50 $0.00 $2,181,056.04

Today's Rates

30 Year

7.31%

20 Year

7.2%

15 Year

6.65%

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Market insight data is pulled from the same city as the listing being viewed (Los Osos, 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: 2026-10-03T13:07:47.000Z

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