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Own the Land. Own the View. Own the Lifestyle. "” Whale Rock Terrace, Cayucos CA | $659,000 No lease. No inland heat. This is not a mobile home park. This is a shareholder-owned coastal community where you hold title to your lot . Whale Rock Terrace sits on iconic Highway 1 between Morro Bay & Cambria in Cayucos, California "” consistently ranked among the last authentic California beach towns "” where the average year-round temperature holds in the mid-60s & the Pacific is one block from your front door. While inland buyers are watching their equity bake in triple-digit summers, Cayucos residents are close to the beach. The ownership structure matters here. As a park shareholder, you own your lot outright "” not leased, not rented, not subject to frequent rent increases. Residents own the park & have governance over dues, upkeep & improvements. Your $250/monthly dues covers sewer, trash, streetlights, clubhouse, community garden, & common area maintenance. That's it. No surprises. The home: A newly built & installed 2021 Fleetwood manufactured home "” in a split floor plan designed for light and livability. Two bedrooms, two full baths. The primary suite features a walk-in closet, ensuite bath, & linen closet. The second bedroom offers a built-in queen Murphy bed "” ideal as a guest room, home office, creative studio, or flex space depending on your season of life. Gas range, double kitchen sinks, & an open layout that feels larger than the square footage suggests. Outside: Parking for 2-3 vehicles or a golf cart, built-in storage below the entry walkway, a sunny deck with partial ocean views, room to garden, & low-maintenance artificial turf. This lot was designed to be enjoyed, not maintained. Location radius: Downtown Cayucos restaurants, shops, beach access, and dog park . Cambria, Morro Bay, Paso Robles wine country, San Luis Obispo, and the Mid-State Fair "” all within a short drive. This is a 55+ community and requires park approval. At this price point, Whale Rock Terrace represents one of the lowest-cost entries to fee-simple coastal land ownership on the California Central Coast. Comparable coastal properties without the land ownership component lease at market rates with zero equity upside.
Property Type(s):
Mobile/Manufactured
| Last Updated | 8/10/2026 | Tract | Whale Rock Terrace, Inc. |
|---|---|---|---|
| Year Built | 2021 | Community | CAYU - Cayucos |
| County | San Luis Obispo |
Price History
| Prior to Apr 9, '26 | $705,000 |
|---|---|
| Apr 9, '26 - May 13, '26 | $695,000 |
| May 13, '26 - Jul 27, '26 | $689,000 |
| Jul 27, '26 - Aug 10, '26 | $685,000 |
| Aug 10, '26 - Today | $659,000 |
Additional Details
| ADULT COMMUNITY | Yes |
|---|---|
| AIR | ENERGY STAR Qualified Equipment |
| AIR CONDITIONING | Yes |
| AMENITIES | Sewer |
| APPLIANCES | Double Oven, ENERGY STAR Qualified Appliances, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Refrigerator, Self Cleaning Oven, Water Purifier, Water Softener |
| AREA | CAYU - Cayucos |
| HEAT | Central |
| HOA DUES | 250|Monthly |
| INTERIOR | Ceiling Fan(s), High Ceilings, Laminate Counters, Master Downstairs, Open Floorplan, Recessed Lighting |
| LOT | 0 |
| LOT DESCRIPTION | Close to Clubhouse, Corners Marked, Level |
| PARKING | Assigned, Asphalt, Concrete |
| POOL DESCRIPTION | None |
| SEWER | Public Sewer |
| STORIES | 1 |
| SUBDIVISION | Whale Rock Terrace, Inc. |
| UTILITIES | Cable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected |
| VIEW | Yes |
| VIEW DESCRIPTION | Ocean |
| WATER | Public |
| WATERFRONT DESCRIPTION | Beach Access |
Location
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