364 McCarthy Ave , Oceano, CA 93445
$1,674,000
Est. Payment: $9,131.16/mo
4 Bed
3.5 Bath
2772 Sqft
0.1 Acres
Status: ACTIVE | Days on site: 48
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CR-PRHOMERCH - CR-NS01955407,CR-NS02060545
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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 the 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 an RV, side-by-sides, dune toys, or looking for features that appeal to vacation renters, this setup offers exceptional flexibility. The main level features an open floor plan connecting the living room, dining area, and kitchen with wide-plank flooring, coffered ceilings with wood beam accents, recessed lighting, a gas fireplace, and two large sliders 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, workstation sink, and spacious butler's pantry. A private first-floor bedroom with 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 upper level has also b

Highlights

Listed by Ian Chandler , 530-545-9561 and Hannah Chandler , 805-459-9891 Home & Ranch Sotheby's Intl , 805-434-9700. San Diego County Multiple Listing Service mls logo

Property Type

Residential

Lot/Acreage
0.1

Year Built

2026

County

San Luis Obispo

Neighborhood

Oceano(350)

Listing ID

NS26158803

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3.5
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Microwave, Refrigerator, Gas Range
Air Cond:Central Forced Air
Fireplaces:FP in Family Room,FP in Living Room,Gas
Other:
  • ▪ Additional:Beamed Ceilings, Living Room Balcony, Pantry, Recessed Lighting, Wet Bar
Water:Public

Exterior Features

Garage Capacity:2
Roof:Composition
Others:
  • ▪ Additional:Under Construction
Sewer:Public Sewer
Principal Interest
$9,131
Taxes
$1,067

Home Price

$1,674,000

Loan Details

30 yrs
7.245%

Down Payment

20%
$334,800
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:
$9,131.16

Principal

Taxes

Principal Taxes HOA Total
Monthly $9,131.16 $1,067.18 $0.00 $10,198.34
Yearly $109,573.96 $12,806.10 $0.00 $122,380.06
Total $3,287,218.85 $384,183.00 $0.00 $3,671,401.85

Today's Rates

30 Year

7.25%

20 Year

7.27%

15 Year

6.6%

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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.

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Data last updated: 2026-10-04T20:03:50.000Z

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