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765 Ramona — Los Osos | Belmont Brokerage | Belmont Brokerage

Active

$149,000

0 DOM

— bd— ba— sqft

Call

765 Ramona Los Osos, CA 93402

7,200sqft lot

Opportunity for the near future!!!! #39 on the County Water Waitlist!!!! Property sits across from Sweet Springs Nature Reserve and borders a protected area affording views of nature and the bay. Walking distance to Baywood shops, restaurants, farmers’ market and water access to the Bay. Sellers have completed some initial studies/reports in preparation for construction. These reports include: Land Survey and Topographical Maps, Soils Survey, Archeological Survey, Biological Resources Assessment, Morro Bay Shoulder Snail Protocol Report. Potential Buyers to check with local municipality on requirements and timeline to build.

MLS SC26081258

805-528-0100 (Office) 805-801-4444 (Cell) Steve@BearValleyRE.com

Est. payment

$951/mo

Principal & interestTaxesInsurance

$753$155$43

Down %

Rate %

Years

Down payment: $29,800 · Total cost: $301,033

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$951/mo

Principal & interest: $753
Est. property tax: $155
Est. insurance: $43
Down payment: $29,800

Est. gross rent$621/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)$-330/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 15, 2026	$149,000	—

805-528-0100 (Office) 805-801-4444 (Cell) Steve@BearValleyRE.com

Sale & Tax History

No Recent Sales History

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

Location

765 Ramona, Los Osos, CA 93402

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Call

765 Ramona Los Osos, CA 93402

About this home

Steve Auslender

Est. monthly payment

Mortgage vs rent

Price History

Steve Auslender

Sale & Tax History

No Recent Sales History

Location

765 Ramona, Los Osos, CA 93402

About This Property

Property Photos

Location

Listing Agent

Presented by Belmont Brokerage Inc.

765 Ramona Los Osos, CA 93402

About this home

Steve Auslender

Est. monthly payment

Mortgage vs rent

Price History

Steve Auslender

Sale & Tax History

No Recent Sales History

Location