364 McCarthy Ave , Oceano, CA 93445
$1,799,000
Est. Payment: $9,084.42/mo
4 Bed
4 Bath
2772 Sqft
Status: active | Days on site: 11
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House Description

Luxury Coastal Living Just Minutes from Pismo Beach & Shell Beach. Built by Beach Front Builders, this brand-new custom home is located at the gateway to Pismo State Beach, just minutes from Pismo Beach, Shell Beach, downtown Arroyo Grande, and the Oceano Dunes. Eligible to be licensed as a vacation rental, it offers an outstanding opportunity as a primary residence, second home, or income-producing coastal property. Set on an oversized 4,300± sq. ft. lot with 43 feet of road frontage, one of this home's biggest advantages is something rarely found this close to the beach: generous off-street parking and a dedicated RV parking area with an RV waste connection. Whether you're bringing your own RV, side-by-sides, or dune toys, or looking for features that appeal to vacation renters, this setup offers flexibility that's exceptionally hard to find in nearby coastal communities. The main level features an open floor plan connecting the living room, dining area, and kitchen with wide-plank flooring, a coffered ceiling with wood beam accents, recessed lighting, a gas fireplace, and two large sliding doors opening to the backyard patio. The kitchen includes quartz countertops, custom cabinetry, double wall ovens, a six-burner gas cooktop with pot filler, oversized island with bar seating, workstation sink, and a spacious butler's pantry. A private first-floor bedroom with an en suite bath, an additional guest bath, and a framed shaft designed for a future elevator provide flexibility for guests, multigenerational living, or long-term accessibility. Upstairs, the family room with wet bar opens to a balcony overlooking the Oceano Lagoon and dunes. The primary suite features dual walk-in closets, a private balcony, dedicated makeup vanity, soaking tub, dual sinks, and walk-in shower. Two additional bedrooms and another full bath complete the upper level. The rooftop deck offers peekaboo ocean views, coastal breezes, and panoramic dune views—an ideal place to relax after a day at the beach. Additional features include owned solar, tankless water heating, and energy-efficient heat pump HVAC. Brand-new construction, vacation rental eligibility, exceptional parking, and immediate access to Pismo State Beach, the Oceano Dunes, Pismo Beach, and Shell Beach make this a rare opportunity to own one of the Central Coast's most versatile coastal properties.

Highlights

Listed by Ian Chandler , 530 545-9561 and Hannah Chandler , 805 459-9891 Home & Ranch Sotheby's Intl , 805-434-9700. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.1

Year Built

2026

County

San Luis Obispo

Area

OCNO - Oceano

Neighborhood

Oceano(350)

School District

Lucia Mar Unified

Listing ID

NS26158803

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Gas Range, Microwave, Refrigerator, Tankless Water Heater
Air Cond:Central Air
Fireplaces:Family Room,Gas,Living Room
Other:Beamed Ceilings,Wet Bar,Breakfast Bar,Balcony,High Ceilings,Open Floorplan,Pantry,Recessed Lighting,See Remarks,Bedroom on Main Level,Entrance Foyer,Walk-In Pantry,Walk-In Closet(s)
Other:Public

Exterior Features

Lot:Rectangular Lot,No Land Lease
Garage Capacity:2
Roof:Composition
Others:Under Construction
Sewer:Public Sewer
Parking Features:Driveway,Garage Faces Front
Principal Interest
$9,084
Taxes
$1,147

Home Price

$1,799,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$359,800
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:
$9,084.42

Principal

Taxes

Principal Taxes HOA Total
Monthly $9,084.42 $1,146.86 $0.00 $10,231.28
Yearly $109,013.07 $13,762.35 $0.00 $122,775.42
Total $3,270,391.96 $412,870.50 $0.00 $3,683,262.46

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: 2026-08-10T22:37:46.000Z

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