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Rare VA assumable loan at just 3.625% interest! Qualified buyers, veteran or non-veteran, may assume the seller's existing VA loan with an approximate balance of $536,000, a rare opportunity in today's market that makes owning near the ocean more attainable than ever. Enjoy breathtaking views of iconic Morro Rock and the Pacific Ocean from this 3 bedroom, 2 bathroom coastal home offering 1,566 square feet of living space on a 4,626 square foot lot. Start your mornings with coffee on the wrap around porch and unwind in the evenings with sunset views over the ocean. Inside, the functional layout features natural light, inviting living spaces and plenty of potential to update and personalize. The backyard offers room to entertain, relax and enjoy the fresh coastal air. A rare bonus is the side yard parking area with room for an RV or boat and full hookups including water, electric and sewer. Located just minutes from the beach, restaurants and everything Morro Bay has to offer, this home is ideal as a full-time residence, weekend getaway or coastal retreat. With panoramic views, a 3.625% assumable rate and valuable RV or boat parking at the new $895,000 price, this is the Morro Bay opportunity you've been waiting for. Buyer to qualify with the lender and verify all loan assumption terms.
| Last Updated | 10/13/2026 | Tract | North Morro Bay |
|---|---|---|---|
| Year Built | 1986 | Community | MRBY - Morro Bay |
| Garage Spaces | 2.0 | County | San Luis Obispo |
Price History
| Prior to Jul 6, '26 | $1,025,000 |
|---|---|
| Jul 6, '26 - Jul 20, '26 | $999,999 |
| Jul 20, '26 - Aug 16, '26 | $975,000 |
| Aug 16, '26 - Today | $895,000 |
Additional Details
| APPLIANCES | Electric Cooktop, Microwave, Refrigerator |
|---|---|
| AREA | MRBY - Morro Bay |
| CONSTRUCTION | Wood Siding |
| FIREPLACE | Yes |
| GARAGE | Yes |
| HEAT | Fireplace(s), Forced Air |
| INTERIOR | Cathedral Ceiling(s), Eat-in Kitchen, Open Floorplan |
| LOT | 4626 sq ft |
| LOT DESCRIPTION | Back Yard |
| LOT DIMENSIONS | 4626 |
| PARKING | Concrete, Garage, On Street |
| POOL DESCRIPTION | None |
| SEWER | Other |
| STORIES | 2 |
| STYLE | Cottage |
| SUBDIVISION | North Morro Bay |
| VIEW | Yes |
| VIEW DESCRIPTION | Ocean, Water |
Location
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The multiple listing data appearing on this website, or contained in reports produced therefrom, is owned and copyrighted by California Regional Multiple Listing Service, Inc. ("CRMLS") and is protected by all applicable copyright laws. Information provided is for viewer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the viewer may be interested in purchasing. All listing data, including but not limited to square footage and lot size is believed to be accurate, but the listing Agent, listing Broker and CRMLS and its affiliates do not warrant or guarantee such accuracy. The viewer should independently verify the listed data prior to making any decisions based on such information by personal inspection and/or contacting a real estate professional.
Based on information from California Regional Multiple Listing Service, Inc. as of 11/4/26 11:13 AM PST and /or other sources. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information
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