93430 Homes with HOA

Welcome to Cayucos, California, a charming coastal town nestled in the heart of San Luis Obispo County, where the zip code 93430 encompasses a vibrant community with stunning ocean views and a laid-back lifestyle. Known for its picturesque beaches, scenic landscapes, and welcoming atmosphere, Cayucos is the perfect place for those seeking a serene coastal retreat.

The real estate market in Cayucos features a variety of homes, many of which are part of homeowners' associations (HOAs). These communities offer a range of amenities and services designed to enhance your living experience. From well-maintained common areas to community events that foster neighborly connections, living in an HOA can provide a sense of security and camaraderie. Whether you're looking for a cozy beach cottage or a spacious family home, the properties in Cayucos with HOA often come with added benefits, such as landscaping, maintenance, and access to exclusive recreational facilities.

Beyond its beautiful homes, Cayucos boasts a rich history and a vibrant local culture. Stroll along the charming streets lined with boutique shops, indulge in fresh seafood at local eateries, or enjoy a leisurely day at the beach. With its welcoming community and breathtaking coastal scenery, Cayucos is not just a place to live; it’s a lifestyle to embrace.

If you're considering making Cayucos your home, the 93430 zip code offers a unique blend of coastal charm and community spirit, making it an ideal destination for families, retirees, and anyone seeking a slice of California paradise.

Newest 93430 Homes with HOA

$749,500

2 Beds ⋅ 2 Baths ⋅ SC26155244 MLS ⋅ Active Status

Tucked beneath the graceful canopy of a majestic cypress tree, this charming 2 bedroom, 2 bathroom condo offers a peaceful retreat just moments from the heart of Cayucos. Located in the desirable Cypress Cove Condo Association, you’ll enjoy an easy stroll to the beach, historic pier, local shops, and favorite restaurants.The mostly single level floor plan features a sunken living room that invites you to slow down and unwind. Step onto the private balcony, where the gentle sound of birdsong and the beauty of the towering cypress create a setting that feels like your own private sanctuary. Whether you’re searching for a full time home, a weekend escape, or a coastal investment, this inviting condo is priced to sell and ready for its next chapter.

164 Cypress Avenue Unit 15, Cayucos

$775,000

2 Beds ⋅ 2 Baths ⋅ SC26151712 MLS ⋅ Active Status

Enjoy relaxed coastal living in this well located 2 bedroom, 2 bathroom home in Whale Rock Senior Mobile Home Park. Situated on a desirable corner location near the entrance, this home offers convenient access in and out of the park, beautiful ocean views, and beach access at the bottom of 16th Street. The inviting floor plan features a comfortable flow, including one full bathroom and one three quarter bathroom. Step outside to a spacious deck, the perfect place to enjoy your morning coffee or unwind while taking in the coastal scenery. Ideally located just a short distance to downtown Cayucos and the Historic Pier, you’ll love the convenience of having the best of the Central Coast right at your doorstep.

1625 Cass Avenue Unit 40, Cayucos

$1,199,000

2 Beds ⋅ 2 Baths ⋅ SC26107295 MLS ⋅ Active Status

Wake up each day to a front row panorama of Estero Bay, where the coastline from the Cayucos Pier to Morro Rock unfolds right outside your window. Just moments from the beach and a quick stroll to downtown Cayucos, this move in ready coastal two-story condo offers effortless living in one of the most scenic corners of San Luis Obispo County. From your elevated vantage point, the Pacific becomes part of your daily rhythm with rolling waves, sea breezes, and the glow of sunset stretching across the bay. The main living level is designed to showcase the view, with southwest facing windows that fill the space with natural light. A generous ocean view deck extends the living area outdoors, creating an ideal spot for morning coffee or evening meal. Inside, the living and dining spaces flow together around a gas fireplace, offering a warm retreat after beach walks or exploring nearby trails. The remodeled kitchen brings a fresh, modern feel with updated finishes, bar seating, and ample pantry storage while offering glimpses of Morro Rock. Downstairs, two comfortable bedrooms provide privacy and quiet, with full bathrooms conveniently located on each level. Great storage throughout the home ensures everything stays organized, whether you’re settling in full time or enjoying a coastal getaway. Each residence in this well kept six unit community includes a single car garage with indoor laundry plus an additional reserved parking space. The charming entryway welcomes you home and shared community landscaping is covered by the monthly HOA. With professional management overseeing the entire property, you can relax knowing the grounds and common areas are cared for year-round. Experience the best of Cayucos-by-the-Sea with this turnkey home, close to the ocean and your next adventure.

561 Lucerne, Cayucos

$1,199,000

2 Beds ⋅ 2 Baths ⋅ SC26058494 MLS ⋅ Active Status

Experience the charm of California's Central Coast in this beautifully updated 2-bedroom, 2-bath end-unit condo just steps from the sand in Old Town Cayucos. With sweeping ocean views, a vacation rental license, and an established record of short-term rentals with an active VRBO profile, this coastal retreat offers the perfect blend of lifestyle and income potential. As a desirable end unit, the home enjoys added privacy, views, and natural light. Upstairs, the inviting living room opens to a private balcony where you can take in the ocean breeze and coastal views. The remodeled kitchen is both stylish and functional, featuring quartz countertops, a designer tile backsplash, gold hardware, and bar seating. A cozy breakfast nook connects the kitchen and living area, creating a welcoming space for casual meals and conversation, while a guest bath completes the upper level. Downstairs, both bedrooms provide a peaceful retreat, with a full bath conveniently situated between them for comfort and convenience. Located just a few hundred feet from Cayucos Beach and right along iconic Ocean Avenue, you'll enjoy easy access to beloved local favorites like Duckie's Chowder House, Luna Coffee Bar, and Brown Butter Cookie Company. Whether you're searching for a coastal getaway, an income-producing vacation rental, or the ideal mix of both, this rare Cayucos opportunity captures the best of Central Coast living.

77 N Ocean Avenue Unit 12, Cayucos

$689,000

2 Beds ⋅ 2 Baths ⋅ TR26054212 MLS ⋅ Active Status

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

1625 Cass Avenue Unit 22, Cayucos

$1,099,000

1 Beds ⋅ 1 Baths ⋅ SC26039235 MLS ⋅ Active Status

Stellar Site for this short-term licensed condo in a renowned oceanfront complex. Beach access and sweeping views of Estero Bay, Morro Rock, Pier and Cayucos put this unit on repeat for vacation time or a desirable income producing rental. The efficient plan has no hallways and easier access than levels above. Access from the wide deck is via door, or siding door and the great room looks beyond the expansive deck to the changing ocean scenes. Storage just inside is ideal for deck and beach gear. The kitchen has ample counter space, a special pantry cabinet and its own ocean views. The bathroom functions ensuite for the bedroom via a sliding door. On-site laundry facilities and covered parking and gated entrance add to the convenience. Unit can be purchased fully furnished. Don’t miss this array of features and benefits!

349 N. Ocean Avenue Unit A3, Cayucos

$25,000

SC26017260 MLS ⋅ Active Status

Please call local municipality with APN 064-311-012 with your questions on present and future use of the property. Can be sold with adjacent lot 10. Lots are currently NON BUILDABLE. Camping, trailers, tents, tiny homes, gardens are not allowed per the County but please feel free to call or check their website for the most up to date information. ***Location is approximate, Information deemed reliable but not guaranteed. All information (including square footage, lot size, gate code and or keys, permits, zoning, use, condition, income, expenses, and MLS data) is provided for informational purposes only. Buyer to independently verify all information to their satisfaction. Listing agent and seller make no representations or warranties and expressly disclaim liability for errors, omissions, or inaccuracies***

Ramona, Cayucos

$1,239,000

2 Beds ⋅ 2 Baths ⋅ SC25118536 MLS ⋅ Active Status

Enjoy some of the best views along Estero Bay, from the Cayucos Pier to Morro Rock, Montana de Oro, and beyond. This updated coastal condo is move-in ready, (ASK ABOUT KITCHEN PLANS) -- nestled along the pristine coastline north of downtown Cayucos in a six-unit complex. Watch the amazing SLO County sunsets, migrating whales, and ocean life—all right from the comforts of home. This two-story end unit maximizes window light without adjoining neighbors to the south and offers a private entrance with established landscaping. Entering the home, an open staircase leads up to southwest-facing, wall-to-wall windows in the open living and dining area, with the upper floor perched up above the neighboring condo rooflines. The large private deck adds outdoor living space with new glass panels to highlight the amazing coastal views. Upstairs you'll find a stately gas fireplace, cozy kitchen with views of Morro Rock, bar seating, a large pantry/linen closet, and full bathroom. There are two large bedrooms on the ground floor with ample closets, lots of additional hallway storage, full bathroom with modern upgrades, and indoor access to the attached garage, with room for a small vehicle, EV charger, and backup generator plus an additional assigned parking space in the private community lot. Call Cayucos home--close to many charming and relaxing coastal attractions, the Cayucos Pier, newly renovated Cayucos Landing Vets Hall, shops, restaurants, and the trailhead for Estero Bluffs State Park.

557 Lucerne St., Cayucos

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Based on information from California Regional Multiple Listing Service, Inc. as of . This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.