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Own the Land. Own the View. Own the Lifestyle. "” Whale Rock Terrace, Cayucos CA | $689,000 No lease. No landlord. No inland heat. This is not a mobile home park. This is a shareholder-owned coastal community where you hold title to your lot "” and that land is appreciating every year. Whale Rock Terrace sits on iconic Highway 1 between Morro Bay and Cambria in Cayucos, California "” consistently ranked among the last authentic California beach towns "” where the average year-round temperature holds in the mid-60s and the Pacific is one block from your front door. While inland buyers are watching their equity bake in triple-digit summers, Cayucos residents go 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 and have shareholder governance over dues, upkeep and improvements. Your $250/monthly dues covers sewer, trash, streetlights, clubhouse, community garden, and all common area maintenance. That's it. No surprises. The home: A 2021 Fleetwood manufactured home, built and installed new "” not a resale remodel "” 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, and 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, and 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, and 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. Park residency 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. Here, the land appreciates with you. Inventory at this price and ownership structure in this zip code
Property Type(s):
Mobile/Manufactured
| Last Updated | 5/13/2026 | 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 - Today | $689,000 |
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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