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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.
Listing agent: Amy Justice DRE #01976115 amynjustice@yahoo.com, Listing office: The Agents Central Coast
MLS data updated 10/19/2026, 2:17:56 AM PT
Source: CRMLS, MLS #: PI26170978
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Sep 10, 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
$1,220,000Closed sale · Sep 10, 2026ZIP 93445 · Sep 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.