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

523 Derby Lane, Cambria, California 93428 home-pic-0

523 Derby Lane

Cambria, California 93428

ACTIVE UNDER CONTRACT
CONDITION: FAIR
3Beds
3Baths
2,417Sq Ft
5,898Lot Size

Property Price

LIST PRICE$1,175,000
EST. MARKET VALUE
$1,175,000

SUMMARY

Estimated Market Value

$1,175,000
Based on Realkey algorithm analyzing recent comparable sales in Cambria.

Comparable Sales Map

Comparables within 1 miles sold in recently

Address Sold Price BedsBathsSq Ft$/SqftDistance
523 Derby Lane
Subject
$1,175,000*
List Price
332,417$486-
A
373 Bristol Street
Sold
$1,199,000422,555$4690.4 mi
B
564 Croyden Ln
Sold
$850,000342,485$3420.1 mi
C
5370 Pembrook
Sold
$965,000331,951$4950.4 mi
D
5521 Sunbury
Active
$1,095,000
List Price
432,317$4730.3 mi

* Subject property listed price vs sold prices of comps.

Condition Analysis

OVERALL CONDITION SCORE

Fair
TeardownExcellent

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

FeatureSubjectAverage HomeNeighborhood Ranking (50 Listings)
Beds3.03.0
50%
Baths3.02.0
57%
Square foot2,4171,528
89%
Lot Size5,8985,850
51%
Price$1.18M$940.0K
66%
Price per sq ft$486$649
15%
Built year19811983
42%
HOA$0$0
50%
Days on market115196
17%

Pricing History

Listed for Sale

Nov 12, 2025

$1,175,000

Initial Listing

Browse Properties by State Browse housing market trends by state