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165 Earthwood Lane — San Luis Obispo — 3 Beds • 3 Baths • 1,808 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+37 more

$1,049,000

13 DOM

$580/sqft3 bd3 ba1,808 sqftHOA ~50/mo

Call

165 Earthwood Ln San Luis Obispo, CA 93401

3,900sqft lot

Welcome to 165 Earthwood Lane, a nearly new home in the highly sought-after Avila Ranch community of San Luis Obispo; known for its welcoming atmosphere, friendly neighbors, and thoughtfully designed surroundings. Built in 2023, this 3-bedroom, 2.5-bath residence offers approximately 1,808± sq ft of beautifully appointed living space, complete with modern finishes and owned solar. The light-filled main level features 10-foot ceilings, wood-look tile flooring, and an open-concept design that seamlessly connects the living room to the outdoor patio, perfect for effortless indoor-outdoor living. The kitchen is both stylish and functional, showcasing quartz countertops, a subway tile backsplash, gray shaker cabinetry, a contrasting white island with bar seating, stainless steel appliances, and a spacious pantry. It flows naturally into the adjacent dining area, ideal for both everyday living and entertaining. Upstairs, the primary suite offers a peaceful retreat with large windows, a walk-in closet, and a well-appointed bathroom featuring dual vanities and a tile shower. Two additional bedrooms share a thoughtfully designed adjoining bathroom with dual sinks and a separate tub and shower area. A dedicated laundry room with washer and dryer, along with a hallway linen closet, adds everyday convenience. Outdoor living is equally inviting, with a charming, covered wrap-around front porch and a low-maintenance enclosed side yard complete with a paver patio, perfect for relaxing or hosting. Ideally located just steps from Sunny Vista Park, residents can enjoy multiple play structures and a basketball court right outside their door, enhancing the home’s appeal for recreation and community connection. Additional highlights include a main-floor powder room, under-stair storage, an attached two-car garage, electric heating and air conditioning, and energy-efficient solar. Located near parks, scenic trails, shopping, and dining, this home offers the very best of Central Coast living in one of San Luis Obispo’s most beloved neighborhoods.

MLS SC26064580

805-781-6040 (Office) 805-781-6040 (Cell) kristengentryslo@gmail.com

Est. payment

$6,753/mo

Principal & interestTaxesInsuranceHOA

$5,304$1,093$306$50

Down %

Rate %

Years

Down payment: $209,800 · Total cost: $2,119,353

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$6,753/mo

Principal & interest: $5,304
Est. property tax: $1,093
Est. insurance: $306
HOA (normalized / mo): $50
Down payment: $209,800

Est. gross rent$4,371/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)$-2,382/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.