1097 Saint Mary, Cayucos, California 93430, Cayucos, 93430 - 3 bed, 3 bath
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1097 Saint Mary
Cayucos, California 93430
ACTIVE
CONDITION: POOR
3Beds
3Baths
2,200Sq Ft
6,014Lot Size
Property Price
LIST PRICE$1,475,000
EST. MARKET VALUE
$1,422,775
3% AboveMARKET VALUE
SUMMARY
This property presents a High-Potential Investment Opportunity with a List Price of $1,500,000—positioned above the $1,431,221 Fair Market Value by 4%. While the price reflects a premium, the Panoramic Coastal Views and Versatile Lower-Level Space provide significant long-term value. With a Condition Rating of 5, the home requires a comprehensive renovation to modernize its 1974 aesthetic. This asset is ideal for Value-Add Investors or Owner-Occupants looking to customize a coastal retreat in the San Luis Coastal Unified district.
Estimated Market Value
$1,422,775
Based on Realkey algorithm analyzing recent comparable sales in Cayucos.
Comparable Sales Map
Comparables within 1 miles sold in recently
Map unavailable.
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 1097 Saint Mary Subject | $1,475,000* List Price | 3 | 3 | 2,200 | $647 | - |
A 180 G Sold | $1,250,000 | 4 | 2 | 2,016 | $620 | 0.6 mi |
B 1124 S Ocean Avenue Active | $1,575,000 List Price | 3 | 3 | 1,820 | $865 | 0.1 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
See Full ReportOVERALL CONDITION SCORE
Poor
TeardownExcellent
Property is extensive renovation needed.
Built in 1974 and largely in original condition, this property exceeds the 30-year threshold for major updates. The interior features dated 1970s elements including shag carpeting, popcorn ceilings, and original kitchen cabinetry and baths that require a full rehab to meet modern standards.
PROSSTRENGTHS & OPPORTUNITIES
- Panoramic Coastal Views
The property boasts exceptional, unobstructed views of Estero Bay and the Pacific Ocean from the main living areas, providing a high-value feature that defines the coastal lifestyle.
- Versatile Lower-Level Space
A large, open downstairs area offers significant flexibility for customization, allowing the buyer to easily add a home gym, office, or additional guest bedrooms.
- Substantial Lot Potential
The 6,014 sq. ft. lot serves as a blank canvas for outdoor development, offering ample room to create a custom coastal oasis or expanded entertaining areas.
CONSRISKS & DEFICIENCIES
- Dated Interior Aesthetic
Built in 1974 and retaining much of its original character, the home requires comprehensive modernization and updates to meet current luxury market expectations.
- Renovation Capital Required
Given the $1.5M entry price and the need for significant updates, buyers must budget for substantial additional investment to realize the property's full potential.
About 1097 Saint Mary
Ocean Views for Days! Relive the charm of the ’70s or bring your vision and a few updates to create your own coastal retreat. This 3-bedroom, 2½-bath home offers stunning views of Estero Bay and endless potential. The main level features two bedrooms, two bathrooms, a kitchen, and a spacious living room—all taking advantage of the spectacular ocean and bay views. Downstairs, you’ll find a third bedroom, laundry area, and a huge open space with plenty of possibilities. Create the ultimate game room, home gym, office, or reconfigure the space to add another bedroom or two. Outside, the generous lot is a blank canvas ready for you to create your own coastal oasis, with plenty of room to enhance the property and enjoy the surrounding beauty. Whether you’re looking for a home with character, an investment opportunity, or a property you can transform into your dream coastal getaway, this one is ready for your imagination. Come see the views and envision the possibilities!
Property Details
Public Facts
- Property Type
- Single Family Residence
- Year Built
- 1974
- Lot Size
- 6,014 Sq. Ft.
Interior
- Total Bedrooms
- 3
- Total Bathrooms
- 3 (3 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $0 / Month
Neighborhood Insights
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 3.0 | 3.0 |
| Baths | 3.0 | 2.7 |
| Square foot | 2,200 | 1,893.235 |
| Lot Size | 6,014 | 3,694.059 |
| Price | $1.48M | $1.58M |
| Price per sq ft | $670 | $938 |
| Built year | 1974 | 1979 |
| HOA | $0 | $5.5K |
| Days on market | 28 | 97 |
Pricing History
Listed for Sale
Aug 28, 2026
$1,475,000
$1,500,000
-2% Price Drop
Initial Listing
Price Change
Aug 12, 2026
$1,500,000
Initial Listing