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To list your property with Belmont Brokerage, contact us at (818) 967-6311 or email brokerage@bbandm.com. Our team will provide a complimentary AI-powered Comparative Market Analysis (CMA), professional staging recommendations, and a customized marketing strategy. We list on the MLS and through our exclusive off-market network for maximum exposure.

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781 Harbor — Morro Bay | Belmont Brokerage | Belmont Brokerage

Active

+8 more

$479,000

144 DOM

— bd— ba— sqft

Call

781 Harbor Morro Bay, CA 93442

6,500sqft lot

Prime Commercial Property for Sale - 781 Harbor Street, Morro Bay Located in the heart of Morro Bay, 781 Harbor Street offers an exceptional opportunity for businesses seeking a prime location in one of California's most picturesque coastal towns. This versatile commercial property is ideally situated near Morro Bay's bustling waterfront, attracting both locals and tourists alike. Key Features: Location: High-visibility spot on Harbor Street with easy access to the harbor, local shops, and popular dining establishments. Zoning: Community Commercial Proximity: Just minutes away from Morro Bay State Park, the iconic Morro Rock, and other scenic attractions, ensuring steady foot traffic and exposure. This property offers tremendous potential for retail, office, or service-based businesses looking to capitalize on the area's steady flow of visitors and residents. Whether you’re looking to expand your business or start something new, 781 Harbor Street provides a perfect setting with the charm and appeal of Morro Bay.

MLS IV25263875

909-757-7018 (Office) 951-254-6968 (Cell) rcastillo@encoremtg.com

Est. payment

$3,061/mo

Principal & interestTaxesInsurance

$2,422$499$140

Down %

Rate %

Years

Down payment: $95,800 · Total cost: $967,750

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$3,061/mo

Principal & interest: $2,422
Est. property tax: $499
Est. insurance: $140
Down payment: $95,800

Est. gross rent$1,996/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)$-1,065/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	Nov 20, 2025	$479,000	—

Facts & Features

Structure & Property

Year Built1925

909-757-7018 (Office) 951-254-6968 (Cell) rcastillo@encoremtg.com

Sale & Tax History

No Recent Sales History

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

Location

781 Harbor, Morro Bay, CA 93442

Get Directions

Call

781 Harbor Morro Bay, CA 93442

About this home

ROBERTO CASTILLO

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Structure & Property

ROBERTO CASTILLO

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

781 Harbor, Morro Bay, CA 93442

About This Property

Property Photos

781 Harbor Morro Bay, CA 93442

About this home

ROBERTO CASTILLO

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Structure & Property

ROBERTO CASTILLO

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.