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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.
Property Type(s):
Single Family
| 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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Listed with Romeo Echo USA
The information being provided by Conejo Simi Moorpark Association of REALTORS® (“CSMAR”) is for the visitor's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. Any information relating to a property referenced on this web site comes from the Internet Data Exchange (“IDX”) program of CSMAR. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. Any information relating to a property, regardless of source, including but not limited to square footages and lot sizes, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. The data contained herein is copyrighted by CSMAR and is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited.
This IDX solution is (c) Diverse Solutions 2026.
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