357 McCarthy Ave , Oceano, CA 93445
$1,199,000
Est. Payment: $6,054.60/mo
3 Bed
3 Bath
2218 Sqft
Status: active | Days on site: 4
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Welcome to 357 McCarthy Avenue, a licensed vacation rental just half a block from the beach in Oceano’s coastal neighborhood. This flexible property is designed for true beach living, with a layout that lets you enjoy it as one full home or functionally as two separate units so you can live in one and rent the other. Upstairs, you’ll find bright, open living with a comfortable great room and fireplace, a sizable kitchen, two bedrooms, and a bathroom, all oriented to capture coastal light and sea breezes. A large second-story patio leads up to a third-story viewing deck, an ideal spot for sunrise coffee and sunset ocean views over the dunes and shoreline. Downstairs, a second living room and second kitchen offer its own entrance with a fireplace, two full bathrooms, backyard space, and direct garage access, creating a natural separation of space for guests or tenants. This configuration makes it easy to occupy the upper level as your personal beach home while continuing to operate the lower level as a rental, or to rent the entire residence as one larger vacation property. 357 McCarthy sits on an approximately 4,140 sq ft lot and offers about 2,218 sq ft of living area, with a 3-car garage providing excellent parking and storage for beach gear and longer stays. With its licensed vacation rental status, flexible two-unit-style floor plan, and unbeatable proximity to the ocean, this property is ideal for investors, second-home buyers, or anyone who wants to blend coastal living with strong rental potential. Come experience 357 McCarthy Avenue and imagine how you’ll enjoy living at the beach while your property works for you.

Highlights

Listed by Amy Justice , 805-471-5111 The Agents Central Coast , 805-556-5755. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.1

Year Built

2000

County

San Luis Obispo

Area

OCNO - Oceano

Neighborhood

Oceano(350)

School District

Lucia Mar Unified

Listing ID

PI26170978

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Gas Cooktop, Disposal, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator
Floor:Laminate
Other:Ceiling Fan(s),Open Floorplan,Pantry,Recessed Lighting,Bedroom on Main Level
Other:Public

Exterior Features

Lot:Drip Irrigation/Bubblers,Landscaped,Yard,No Land Lease
Garage Capacity:3
Roof:Tile
Others:Turnkey,Stucco
Sewer:Public Sewer
Parking Features:Door-Multi,Garage Faces Front,Garage
Principal Interest
$6,055
Taxes
$764

Home Price

$1,199,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$239,800
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:
$6,054.60

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,054.60 $764.36 $0.00 $6,818.96
Yearly $72,655.18 $9,172.35 $0.00 $81,827.53
Total $2,179,655.34 $275,170.50 $0.00 $2,454,825.84

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 (Oceano, 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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