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THE ONLY SINGLE-FAMILY HOME IN SLO COUNTY FOR $400K THAT ISN’T A MOBILE HOME, AND THE LOWEST-PRICED SINGLE-FAMILY HOME IN ALL OF SAN LUIS OBISPO COUNTY! Whether you’re ready to move closer to the lake or looking for a lock-and-leave vacation home, "The Nacimiento Retreat" delivers a rare mix of everyday comfort and true getaway vibes. Set in the sought-after, amenity-rich Heritage Ranch community, this 3-bedroom, 2-bath home with approximately 1,216 sq ft puts you minutes from Lake Nacimiento and surrounded by year-round outdoor recreation. Entry from the left side of the home leads upstairs to the main living level, where an open-concept design creates a natural flow for everyday living and entertaining. The living room feels cozy yet bright, with a wood pellet fireplace, ceiling fan, durable vinyl flooring, and dual sliding glass doors that open to a private balcony—the perfect spot for morning coffee, evening sunsets, or unwinding after a day on the water. The living area connects seamlessly to the kitchen, featuring stainless steel appliances, a center island for gathering, abundant cabinetry and shelving, and a spacious walk-in pantry for all your lake-weekend essentials. The primary suite serves as a comfortable retreat with a walk-in closet, ceiling fan, and private en-suite bathroom with a shower/tub combo and single vanity. Two additional bedrooms provide flexible space for guests, a home office, or hobbies, and are accompanied by a second full bathroom with a shower/tub combo and single vanity. Step outside to the back deck, which leads down to the backyard and creates additional space to relax, dine al fresco, or host casual get-togethers. Practical features like leased solar panels and a covered portion of the driveway add everyday convenience and help keep life simple, whether you’re here full-time or just for the weekend. Living in Heritage Ranch means more than just a home—it’s a lifestyle. Residents enjoy access to a pool and spa, pickleball and tennis courts, paddle tennis, sport courts, a recreation room, and playgrounds. Lake Nacimiento is just minutes away for fishing, boating, and water activities, complemented by miles of scenic hiking, biking, and horse trails. Community amenities also include parks, picnic and barbecue areas, a dog park, equestrian facilities with stables, storage options, and a guarded entrance, creating a unique blend of comfort, security, and outdoor adventure.
Listing agent: Chelsea King DRE #02152275 chelsea@investslo.com, Listing office: Invest SLO
MLS data updated 10/16/2026, 11:37:33 PM PT
Source: CRMLS, MLS #: PI26053769
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Sep 8, 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
$399,000Asking price recorded · Sep 8, 2026ZIP 93446 · 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.No recorded sales in this range. Select All available for older records; missing records do not mean the home never sold.
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.