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Owner willing to finance! Located in the desirable Morro Palisades neighborhood of Los Osos, this beautifully reimagined 1,315 sq/ft 3-bedroom, 2-bath home offers the ease of modern living with the charm of a well-established coastal community. Fully rebuilt in 2020 and taken down to the studs, it features all-new systems, finishes, and thoughtful upgrades—including EV charging capability in the garage and 220V wiring in the backyard—ready for your future hot tub and sunset soaks under the stars. Inside, an open and airy layout is filled with natural light from multiple sun tunnels that brighten the space throughout the day. The spacious kitchen features quartz countertops, eco-friendly cabinetry, and a functional layout ideal for everyday living and entertaining. Double-pane windows provide energy efficiency and comfort, while updated flooring and fixtures create a cohesive, move-in ready feel. The primary suite includes a private en-suite bath and a sliding glass door that opens directly to the backyard—offering a peaceful connection to the outdoors. Two additional bedrooms provide flexibility for guests, family, or remote work. The large, fully fenced backyard offers ample space for gardening, play, pets, or future expansion. Centrally located just blocks from Monarch Grove Elementary and the Central Coast Waldorf School (also known as Wishing Well), this home enjoys proximity to parks, eateries, and local favorites. Sea Pines Golf Resort hosts free spring and summer concerts just a short drive away. For nature lovers, the stunning Montana De Oro State Park is only 8 minutes away, offering beaches, hiking, surfing, and breathtaking coastal scenery. Morro Bay is a 10-minute drive, and San Luis Obispo is just 12 minutes away. With quality craftsmanship, energy-conscious upgrades, and an ideal location, this move-in ready home is a standout opportunity to enjoy the best of life on the Central Coast. Seller may consider owner financing with 20% down, 6% interest, amortized over 30 years with the remaining balance due payment due in 10 years.
Listing agent: Christine McDonald DRE #01193039 cmcd4re@yahoo.com, Listing office: Coastal Real Estate
MLS data updated 10/25/2026, 3:42:38 PM PT
Source: CRMLS, MLS #: SC25143202
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Sep 19, 2025
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
$875,000Closed sale · Sep 19, 2025ZIP 93402 · Sep 2025
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.