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261 Coral Reef Avenue — El Granada — 4 Beds • 3 Baths • 1,770 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+45 more

$1,599,000

46 DOM

$903/sqft4 bd3 ba1,770 sqftHOA ~13/mo

Call

261 Coral Reef Ave El Granada, CA 94018

7,300sqft lot

Located in the sought-after Clipper Ridge neighborhood, moments from the coastal charm and waterfront dining at Pillar Point Harbor, this spacious home with views of the ocean and open space embodies coastside living. Set on a 7,300+ sq ft lot, the residence offers 1,770+ sq ft of comfortable living space with 4 bedrooms and 2-1/2 bathrooms. The light-filled living room features vaulted ceilings and a fireplace, creating a welcoming feel. Sliding glass doors lead to a composite deck, perfect for morning coffee or sunset evenings with filtered ocean views. The dining area flows into the kitchen with a center island, granite countertops, and stainless steel appliances ideal for casual meals and entertaining. Upstairs offers four bedrooms and two full baths, including a generously sized primary suite with its own ensuite. The lower level provides a flexible bonus space with a half bath and built-in storage, perfect for a home office, gym, media room, or guest retreat. Additional highlights include a two-car garage with storage, landscaped gardens, a covered carport for RV or boat parking, and a natural gas generator with automatic transfer switch for added comfort and peace of mind. With easy access to Highway 1, commuting north to San Francisco or enjoying nearby Half Moon Bay.

MLS ML82035598

(650) 627-3700 (Office) 650-560-8663 (Cell) juliette@kuldagroup.com

Est. payment

$10,230/mo

Principal & interestTaxesInsuranceHOA

$8,085$1,666$466$13

Down %

Rate %

Years

Down payment: $319,800 · Total cost: $3,230,549

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$10,230/mo

Principal & interest: $8,085
Est. property tax: $1,666
Est. insurance: $466
HOA (normalized / mo): $13
Down payment: $319,800

Est. gross rent$6,663/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-3,567/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.