93445 Homes with HOA

Welcome to the charming community of Oceano, California, nestled in the beautiful San Luis Obispo County and proudly bearing the zip code 93445. This coastal gem is known for its stunning beaches, vibrant wildlife, and a laid-back lifestyle that perfectly embodies the essence of California living.

Oceano offers a diverse selection of homes, many of which are part of Homeowners Associations (HOAs). These communities are designed to enhance your living experience, providing a sense of security and camaraderie among neighbors. With well-maintained common areas, amenities such as swimming pools, parks, and recreational facilities, living in an HOA community can elevate your lifestyle while ensuring that the beauty of the neighborhood is preserved.

The coastal location of Oceano means that residents enjoy easy access to the picturesque Oceano Dunes, where you can partake in a variety of outdoor activities, from off-roading to beachcombing. The nearby Pismo Beach offers an array of dining and shopping options, making it a perfect spot for a weekend outing.

Families will appreciate the excellent schools in the area, as well as the friendly community atmosphere that Oceano fosters. Whether you’re a first-time homebuyer, looking to retire, or seeking a vacation home, the properties in the 93445 zip code offer something for everyone.

Experience the unique blend of coastal charm and community spirit that Oceano has to offer. Discover your dream home in this idyllic locale today!

Newest 93445 Homes with HOA

$250,000

1 Baths ⋅ PI26204504 MLS ⋅ Active Status

This inviting studio condo is located just 1.5 blocks from the ocean, offering an affordable opportunity to own an income-producing property near the beach. Open the window, breathe in the fresh ocean air, and enjoy having the sand and surf just moments from your door. This property is required to operate as a vacation rental and is governed by Coastal Commission and HOA requirements. Owners are permitted personal use for up to 84 days per year, with the unit required to remain available for vacation rental use during the balance of the year. This unique setup provides owners with designated time to enjoy the property while generating guest revenue to help offset ownership expenses. The community offers an onsite hot tub, laundry facility, BBQ/cooking area, and fish-cleaning station. The building exterior was also recently repainted, adding to the property's fresh coastal appeal. HOA dues include all utilities, plus cable and internet, making ongoing ownership and vacation-rental operation convenient. For buyers looking to invest near the ocean while still having limited personal-use opportunities, this studio offers a unique way to own a piece of the Central Coast and participate in the area's vacation-rental market. Cash only due to the size and no kitchen.

444 Pier Avenue Unit 12, Oceano

$887,000

3 Beds ⋅ 2 Baths ⋅ PI26199925 MLS ⋅ Active Status

Welcome to this well-maintained 3-bedroom, 1.75-bath home featuring fresh interior paint and durable wood laminate flooring. Enjoy the beautifully landscaped front and backyard, complete with a spa for relaxing or entertaining. The property also offers paid-off solar, providing an added energy-efficient benefit. A comfortable home with thoughtful updates and inviting outdoor spaces.

1440 25th, Oceano

$488,000

2 Beds ⋅ 2 Baths ⋅ PI26192572 MLS ⋅ Active Status

Coastal living at an approachable price point. Welcome to 1870 South Elm Street, a two-bedroom, 1.5-bath townhome in the Playa Del Mar community of Oceano, just minutes from the beach and the Oceano Dunes. With approximately 1,022 square feet of living space, this home offers a functional multi-level floor plan, an attached garage, and multiple outdoor spaces designed to take advantage of the Central Coast setting. Step outside to both a private patio and elevated deck, where dune and mountain views create a scenic backdrop for morning coffee, evening sunsets, or simply enjoying the coastal air. The main living level provides a comfortable space for everyday living and entertaining, while the bedrooms are positioned upstairs for added privacy. Whether you're looking for a primary residence, weekend retreat, or a more attainable way to own property near the California coast, this home offers a combination of location, views, and lifestyle that can be difficult to find at this price point. Playa Del Mar is an intimate community conveniently located near Highway 1, with easy access to the beach, Oceano Dunes, Arroyo Grande, Pismo Beach, restaurants, recreation, and everything the Five Cities area has to offer. 1870 South Elm is an opportunity to own your piece of the Central Coast, close to the ocean, framed by dune and mountain views, and designed for enjoying the coastal lifestyle both inside and out.

1870 S Elm, Oceano

$755,000

3 Beds ⋅ 2 Baths ⋅ PI26181807 MLS ⋅ Active Status

This is the last one, only 1 more to go! Call your agent today! Your brand new beach home awaits you! Single-level new construction and absolutely low-maintenance! This brand new beauty has all the amenities you expect from a home built by Paul Bischoff...radiant floor heating, energy efficient Milgard windows, quartz countertops, KraftMaid cabinetry with slow-close doors and drawers, polished concrete floors, Whirlpool appliances, hand-textured drywall, 9-foot ceilings with tray ceiling in the great room and master bedroom, owned solar, concrete tile roof, water-efficient drip irrigation, and more! This new home is perfectly situated minutes from the Village of Arroyo Grande, downtown Pismo Beach, and the Oceano Dunes, close to the beach, golf, wine tasting, hiking, and many great restaurants. This brand new home is complete and ready for you to move in and enjoy!

1468 Ronald Way, Oceano

$499,000

2 Beds ⋅ 2 Baths ⋅ SC26176221 MLS ⋅ Active Status

Welcome to 1277 Belridge St #11C, a charming two-story condo located in a gated community offering comfortable coastal living in Oceano. This 2-bedroom, 2-bath home features a functional floor plan with natural light throughout. The main living area offers warm wood flooring, a cozy fireplace, and large windows that create a bright and inviting atmosphere. The adjacent dining area flows naturally into the living room and connects to the kitchen which features stainless steel appliances and a pass-through window design perfect for today's open-living lifestyle. Both bedrooms offer comfortable living space and natural light, with the primary bedroom featuring large bay-style windows. The home also includes two full bathrooms and a private 2-car garage. Encanto Ridge provides the homeowners a safe environment with the gated access to the community and the HOA also covers the cost of water and sewer. Enjoy the convenience of condo living in a well-established community, with the added appeal of being located near the coast, beaches, shopping, dining, and the many attractions of California's Central Coast. Whether you're looking for a primary residence, second home, or investment opportunity, this Oceano condo offers a comfortable place to call home.

1277 Belridge Unit 11C, Oceano

$798,500

3 Beds ⋅ 3 Baths ⋅ SC26132305 MLS ⋅ Active Status

This move-in ready corner-lot home is located in the desirable Old Avocado Ranch neighborhood. The 3 bedroom, 2.5 bathroom floor plan offers a main-level primary suite and an open living area where the kitchen, dining area, and living room connect seamlessly. Granite countertops, stainless steel appliances, bar seating, and plenty of storage make the kitchen both practical and comfortable for everyday use. The primary suite features a walk-in closet, ensuite bathroom, and a sliding glass door that opens to the backyard patio. Morning sun pours into the room, making it an easy place to start the day. Upstairs, two additional nicely-sized bedrooms share a spacious bathroom with dual sinks. The fully fenced backyard is low-maintenance and inviting, with a mix of artificial grass, a raised garden with a producing lemon tree, and patio space that's just the right size for entertaining, relaxing, or letting the dog out. The community park is just a few doors down, and the attached 2-car garage provides plenty of room for parking and storage. With beaches, shopping, dining, and the Village of Arroyo Grande all nearby, this home puts everyday conveniences and weekend adventures within easy reach.

1515 Nabal Court, Oceano

$250,000

1 Beds ⋅ 1 Baths ⋅ PI26133276 MLS ⋅ Active Status

Here’s your chance to own an affordable getaway by the ocean! This studio offers a cozy setup with a bed, bathroom, and kitchenette—everything you need when your days are spent at the beach. As a short-term vacation rental, the owner enjoys up to 84 days of personal use each year, with the property generating income the rest of the time. These units rarely hit the market, so act quickly. HOA dues include all utilities, plus cable and internet. This opportunity is available as an all-cash purchase only.

444 Pier Avenue Unit 36, Oceano

$352,500

1 Beds ⋅ 1 Baths ⋅ PI26118125 MLS ⋅ Active Status

Own a beach condo just a block and a half from the sand! This licensed short-term vacation rental is a fantastic opportunity for both a personal getaway and an income-producing property. Owners may enjoy up to 84 days per year, while the remainder of the time the unit will be vacation rented to help offset your expenses and generate revenue. Step into this inviting single-story coastal retreat, where comfort and beach charm come together effortlessly. This fully furnished condo offers a warm and relaxing atmosphere, complete with a private patio perfect for enjoying the fresh ocean breeze. The HOA fee includes all utilities, cable, and internet, making ownership simple and convenient. Whether you're looking for a relaxing coastal escape or a smart investment opportunity, this beach retreat offers the best of both worlds.

444 Pier Avenue Unit 19, Oceano

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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.