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29 Montecito Avenue — Pacifica — 4 Beds • 4 Baths • 2,190 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+82 more

$1,750,000

18 DOM

$799/sqft4 bd4 ba2,190 sqftHOA ~371/mo

Call

29 Montecito Ave Pacifica, CA 94044

1,096sqft lot

Experience the pinnacle of oceanfront luxury at 29 Montecito Avenue, a stunning three-level townhouse-style condo built in 2017 and perfectly situated in the highly sought-after West Sharp Park neighborhood of Pacifica. This sophisticated residence is one of only 3 units in a boutique building, offering an exceptionally rare low HOA fee of only $371 a month. The home boasts an expansive open-concept layout where the kitchen, dining area, & living room flow seamlessly together, all framed by breathtaking panoramic ocean views. The chefs kitchen is outfitted with premium appliances including a Subzero refrigerator, Thermador cooktop, Bertazzoni oven, while the entire home remains perfectly tempered with air conditioning & the cozy warmth of radiant heating. With 4 spacious bedrooms and 3.5 bathrooms, the home offers ample space & privacy, highlighted by a primary suite that serves as a true sanctuary offering spellbinding ocean views & a generous walk-in closet. Practicality meets luxury with a dedicated laundry room & a spacious two-car side-by-side garage. Outdoor living is equally impressive, featuring balconies on two separate levels and a private backyard complete with a hot tub, offering the ultimate setting to unwind while listening to the Pacific surf just moments away.

MLS ML82040471

(650) 558-4200 (Office) 415-939-8988 (Cell) danielkmcheng@gmail.com

Est. payment

$11,553/mo

Principal & interestTaxesInsuranceHOA

$8,849$1,823$510$371

Down %

Rate %

Years

Down payment: $350,000 · Total cost: $3,535,623

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$11,553/mo

Principal & interest: $8,849
Est. property tax: $1,823
Est. insurance: $510
HOA (normalized / mo): $371
Down payment: $350,000

Est. gross rent$7,292/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)$-4,261/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.