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Just minutes from the ocean, this beautifully updated duplex offers the best of coastal living and investment potential. With two homes on one lot, it’s ideal for an owner-occupant, multi-generational living, or steady rental income. 1401 21st St features 3 bedrooms and 2 bathrooms, including one bedroom on the main floor and two upstairs. Thoughtful upgrades include new wall heaters, newer carpet, and a remodeled upstairs bathroom that blends comfort and modern style. A private fenced backyard provides space for entertaining, pets, or relaxing in the coastal breeze. 1417 21st St is a single-level 2-bedroom, 1-bath residence showcasing new carpet, a new oven, remodeled bathroom, and updated lighting. With three private outdoor spaces, this unit offers flexibility and privacy that tenants or guests will love. Set in a desirable neighborhood close to the shoreline, restaurants, and schools, this property delivers move-in-ready comfort with strong rental demand. Situated on a corner lot, the property provides ample parking and even has an additional driveway behind the two homes. Whether you’re expanding your investment portfolio or seeking a home that generates income, 1401/1417 21st Street is a versatile opportunity in the heart of Oceano’s beach community.
Listing agent: Kris Nafziger DRE #02127192 kris@sanluisbayrealty.com, Listing office: San Luis Bay Realty
MLS data updated 10/29/2026, 2:29:17 AM PT
Source: CRMLS, MLS #: SC25241026
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Mar 12, 2026
Prices use the left axis; mortgage rates use the right. Hover, tap, or focus the chart and use the arrow keys. Red SOLD badges mark recorded sales.
This home · nearest recorded event
$789,000Closed sale · Mar 12, 2026ZIP 93445 · Mar 2026
No monthly averageAt least 3 eligible sales in this month are required.30-year fixed mortgage benchmark
No weekly rateNo published rate within 7 days of this date.ZIP averages use publicly displayable closed sales from our licensed MLS feed, matched to the same ZIP and exact property type. Months with fewer than 3 sales are omitted; the current month is incomplete. Lines connect available monthly observations across gaps and do not represent measured prices in missing months. These averages are not adjusted for size, condition, or location within the ZIP, and are not an appraisal. Feed coverage may not include every sale. All available shows the available home and ZIP history, with mortgage rates over the same dates.
Mortgage benchmark: Freddie Mac Primary Mortgage Market Survey®. © Freddie Mac. Weekly national 30-year fixed rates, not APRs or a loan quote. Actual terms vary. Methodology changed in November 2022. The chart does not establish that interest-rate changes caused a home’s price changes.
Lines connect recorded asking and sale prices. They are visual guides, not estimates of the home’s value between those dates.
No earlier records were returned by our current sources. This does not mean the home has never sold.
MLS records may be incomplete. Earlier asking prices are not sale prices.