523 Derby Lane, Cambria, California 93428, Cambria, 93428 - 3 bed, 3 bath

523 Derby Lane
Cambria, California 93428
Property Price
SUMMARY
Estimated Market Value
Comparable Sales Map
Comparables within 1 miles sold in recently
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 523 Derby Lane Subject | $1,175,000* List Price | 3 | 3 | 2,417 | $486 | - |
A 373 Bristol Street Sold | $1,199,000 | 4 | 2 | 2,555 | $469 | 0.4 mi |
B 564 Croyden Ln Sold | $850,000 | 3 | 4 | 2,485 | $342 | 0.1 mi |
C 5370 Pembrook Sold | $965,000 | 3 | 3 | 1,951 | $495 | 0.4 mi |
D 5521 Sunbury Active | $1,095,000 List Price | 4 | 3 | 2,317 | $473 | 0.3 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
OVERALL CONDITION SCORE
Property is moderate renovation needed.
The property, built in 1981 and expanded in 1990, is described as 'awaiting your loving care,' which signals deferred maintenance. While it features high-quality cedar and redwood architectural elements and updated stainless steel kitchen appliances, the tiled countertops, 1990s-era styling, and overall age of the systems and fixtures suggest the home requires cosmetic updates and minor repairs to meet modern standards.
PROSSTRENGTHS & OPPORTUNITIES
- Coastal Views
The property boasts impressive whitewater and shimmering sea views from multiple vantage points, including a private upper-level balcony and the expansive outdoor deck.
- Architectural Character
Vaulted cedar ceilings, redwood walls, and a brick wood-burning fireplace provide a unique, rustic coastal aesthetic that offers warmth and timeless charm.
- Prime Secluded Location
Situated on a quiet cul-de-sac in the Happy Hill subdivision, this home offers significant privacy while maintaining easy access to Moonstone Beach and Cambria’s West Village.
CONSRISKS & DEFICIENCIES
- MLS Listing Discrepancy
Lot size discrepancy between mls listing and other public or private record. mls listing lot size in square feet =5898, other record lot size in square feet = 6082. Bedroom count discrepancy between mls listing and other public or private record. mls listing bedroom count = 3, other record bedroom count = 4.
- Deferred Maintenance
The description indicates the home is 'awaiting your loving care,' suggesting that immediate investment in repairs or updates may be required.
- Dated Interior Elements
Despite some upgrades, features such as tiled countertops and the 1980s/90s design era may necessitate a modern renovation to meet current luxury market expectations.
About 523 Derby Lane
Indulge in crisp sea breezes from every corner of this extraordinary haven awaiting your loving care! Positioned on a secluded cul-de-sac, the original redwood cabin was expanded by its current owner in 1990 and offers considerable privacy. Inside, vaulted cedar ceilings and walls set the tone, while a brick wood-burning fireplace anchors the living room with timeless character. Natural light pours through skylights, illuminating the dining area, while the adjoining kitchen is both practical and stylish, with stainless steel appliances, a prep island, tiled countertops, and a generous pantry. The main floor offers an office/library with built-in shelves and a loft, plus two comfortable bedrooms for flexible sleeping arrangements - all of which offer views of the shimmering sea. A second primary suite, with soaring ceilings, dual walk-in closets, a balcony with whitewater vistas, and a tranquil ensuite, is exclusive to the upper level. Perks include a laundry nook, ample parking, and abundant storage throughout. Unwind in your low-maintenance yard with citrus trees, host celebrations on the expansive deck with its ocean views, and enjoy easy access to Moonstone Beach and Cambria’s West Village. Come see how this coastal retreat could be your ideal escape from the city!
Property Details
Public Facts
- Property Type
- Single Family Residence
- Year Built
- 1981
- Lot Size
- 5,898 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 | Neighborhood Ranking (50 Listings) |
|---|---|---|---|
| Beds | 3.0 | 3.0 | 50% |
| Baths | 3.0 | 2.0 | 57% |
| Square foot | 2,417 | 1,528 | 89% |
| Lot Size | 5,898 | 5,850 | 51% |
| Price | $1.18M | $940.0K | 66% |
| Price per sq ft | $486 | $649 | 15% |
| Built year | 1981 | 1983 | 42% |
| HOA | $0 | $0 | 50% |
| Days on market | 115 | 196 | 17% |
Pricing History
Listed for Sale
Nov 12, 2025
$1,175,000
Initial Listing
















































