Opening page…
Opening page…
Opening home details…
Whether you’re seeking a full-time residence or the ideal coastal escape, this inviting beach cottage delivers relaxed seaside living in an exceptional location. Welcome to 440 Panay in beautiful Morro Bay! This thoughtfully updated 2-bedroom, 1.75-bath home offers approximately 900± sq ft of living space, complemented by a one-car garage with generous storage and a welcoming front porch with a peekaboo ocean view. Step inside to vaulted wood ceilings, abundant natural light, luxury vinyl plank flooring, and a charming wood-burning stove that creates an immediate sense of warmth and comfort. The bright kitchen showcases new granite countertops, expanded cabinetry, updated lighting, and newer appliances—all included—making it as functional as it is stylish. Just beyond, the recently renovated bathroom features built-in storage, a striking white stone sink, and eye-catching teal tile in the shower for a fresh coastal feel. Toward the rear of the home, you’ll find two comfortable bedrooms with ample closet space. The “blue room” offers beautiful natural light and custom handmade mirrored closet doors, while the second bedroom includes its own updated ¾ bath along with slight views of Morro Rock and the iconic Three Stacks. The garage includes washer and dryer hookups and a tucked-away area ideal for additional storage. Need more car space? The carport out front is perfect for that. Outside, the fully fenced backyard is simply landscaped and ready for relaxing afternoons or weekend gatherings. Located within half a mile of the beach, restaurants, and schools, this move-in-ready coastal gem truly has it all—inviting you to settle in and start living your California beach dream.
Listing agent: Hannah Atchison DRE #02087797 hannah.atchison@compass.com, Listing office: Compass
MLS data updated 10/21/2026, 4:01:42 AM PT
Source: CRMLS, MLS #: SC26066990
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Mar 30, 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
$735,000Closed sale · Mar 30, 2026ZIP 93442 · 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.