375 Surf , Morro Bay, CA 93442
$1,295,000
Est. Payment: $6,539.37/mo
4 Bed
4 Bath
2448 Sqft
Status: active | Days on site: 6
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

Located in one of the Central Coast's most beloved beach communities, this charming fourplex captures the laid-back lifestyle that makes Morro Bay so special. Just minutes from the beach, harbor, and downtown, the property features four well-maintained one-bedroom, one-bath residences designed for comfortable coastal living. The lower units offer convenient ground-floor access, while the two upper units open to spacious private balconies with views of the surrounding hills, a peek of the Pacific, and the familiar backdrop locals affectionately call “3 Stacks and a Rock,” with Morro Rock standing proudly beyond the iconic smokestacks. Residents can unwind in two inviting outdoor gathering areas, including a sunny shared patio and a beautifully finished paver seating area, perfect for enjoying the ocean air after a day of surfing, beachcombing, or waterfront dining. A rare bonus in Morro Bay, each unit includes its own private garage, while three additional detached garages are currently rented separately, providing valuable extra income. Complete with a shared on-site laundry room, this well-maintained property offers a unique blend of beach-town charm, functionality, and strong investment potential in one of California’s favorite coastal communities.

Highlights

Listed by Christopher Bath , 805-801-0268 Coast Realty , 805-225-2284. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.17

Year Built

1972

County

San Luis Obispo

Area

699 - Not Defined

Neighborhood

Town of El Morro(830)

School District

San Luis Coastal Unified

Listing ID

SC26134821

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:4
Other:Public

Exterior Features

Lot:Sloped Down,No Land Lease
Garage Capacity:7
Others:Stucco,2+ Total Units
Sewer:Public Sewer
Principal Interest
$6,539
Taxes
$826

Home Price

$1,295,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$259,000
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:
$6,539.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,539.37 $825.56 $0.00 $7,364.93
Yearly $78,472.44 $9,906.75 $0.00 $88,379.19
Total $2,354,173.20 $297,202.50 $0.00 $2,651,375.70

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 (Morro Bay, 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

© 2026 CRMLS/Multi-Regional MLS

MLS Logo - CRMLS/Multi-Regional MLS