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240 Pacific — Morro Bay — 2 Beds • 2 Baths • 768 Sq Ft | Belmont Brokerage | Belmont Brokerage

Pending

+30 more

$965,000

111 DOM

$1,257/sqft2 bd2 ba768 sqft

Call

240 Pacific Morro Bay, CA 93442

3,150sqft lot

Currently a cash-flowing property with six-figure earnings, located half a block from Morro Bay Embarcadero and marine life, you don’t want to miss out on this two-unit residential complex overlooking picturesque Morro Rock and its surroundings. An incredible sited parcel steps away from dining, Marina Square, shopping, beaches, and downtown. This duplex offers a true coastal hideaway of unsurpassed natural beauty. The duplex each includes 1 bedroom and 1 bathroom and are enjoyed by visitors around the globe. Both residences were recently remodeled from ground up, including foundation leveling, new decks, and high-end luxury vinyl plank flooring. This coastal getaway offers comfortable living, bedroom space, a full kitchen, and decks that encourage an outdoor living environment. Two onsite parking spaces and one reserved space for the owner. This is a great business opportunity for those looking to invest in a property with expanding future potential.

MLS SC25269318

559-585-6844 (Office) 805-405-6271 (Cell) Kimberlycade805@gmail.com

Est. payment

$6,166/mo

Principal & interestTaxesInsurance

$4,880$1,005$281

Down %

Rate %

Years

Down payment: $193,000 · Total cost: $1,949,643

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$6,166/mo

Principal & interest: $4,880
Est. property tax: $1,005
Est. insurance: $281
Down payment: $193,000

Est. gross rent$4,021/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)$-2,145/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	Dec 3, 2025	$1,000,000	—

Facts & Features

Transaction Data

▼Price Reduced from $1,000,000 (−$35,000)

Structure & Property

Year Built1930

559-585-6844 (Office) 805-405-6271 (Cell) Kimberlycade805@gmail.com

Sale & Tax History

No Recent Sales History

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

Location

240 Pacific, Morro Bay, CA 93442

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Call

240 Pacific Morro Bay, CA 93442

About this home

Kimberly Cade

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Kimberly Cade

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

240 Pacific, Morro Bay, CA 93442

About This Property

Property Photos

240 Pacific Morro Bay, CA 93442

About this home

Kimberly Cade

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Kimberly Cade

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.