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1189 Santa Ynez B — Los Osos — 1 Bed • 1 Bath • 538 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+14 more

$399,000

7 DOM

$742/sqft1 bd1 ba538 sqftHOA ~275/mo

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1189 Santa Ynez B Los Osos, CA 93402

538sqft lot

Enjoy coastal living in this charming one story end unit condo perfectly situated in a peaceful, Los Osos neighborhood. This 1 bedroom 1 bath home offers a bright, open layout with plenty of natural light and ideal for first time buyers, or anyone seeking a low maintenance lifestyle. Affordable, move in ready cozy condo in Santa Ynez HOA. Close to town and minutes from Montana de Oro State Park and Morro Bay. Newly painted interior, laminate flooring, granite counter tops, gas stove, new wall heater, stainless steel kitchen sink.

MLS SC26073941

805-772-5657 (Office) 805-772-5657 (Cell) lorraine@horizoncentralcoast.com

Est. payment

$2,825/mo

Principal & interestTaxesInsuranceHOA

$2,018$416$116$275

Down %

Rate %

Years

Down payment: $79,800 · Total cost: $806,122

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$2,825/mo

Principal & interest: $2,018
Est. property tax: $416
Est. insurance: $116
HOA (normalized / mo): $275
Down payment: $79,800

Est. gross rent$1,663/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)$-1,162/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.

Price History

Event	Date	Price	Change
Listed	Apr 8, 2026	$399,000	—

Facts & Features

Transaction Data

HOA Fee$275/monthly

Structure & Property

Year Built1981

805-772-5657 (Office) 805-772-5657 (Cell) lorraine@horizoncentralcoast.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

1189 Santa Ynez B, Los Osos, CA 93402

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1189 Santa Ynez B Los Osos, CA 93402

About this home

Lorraine Sterkel

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Lorraine Sterkel

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

1189 Santa Ynez B, Los Osos, CA 93402

About This Property

Property Photos

1189 Santa Ynez B Los Osos, CA 93402

About this home

Lorraine Sterkel

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Lorraine Sterkel

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.