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Own the Land. Own the View. Own the Lifestyle. "” Whale Rock Terrace, Cayucos CA | $659,000 No lease. No inland heat. This is not a mobile home park. This is a shareholder-owned coastal community where you hold title to your lot . Whale Rock Terrace sits on iconic Highway 1 between Morro Bay & Cambria in Cayucos, California "” consistently ranked among the last authentic California beach towns "” where the average year-round temperature holds in the mid-60s & the Pacific is one block from your front door. While inland buyers are watching their equity bake in triple-digit summers, Cayucos residents are close 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 & have governance over dues, upkeep & improvements. Your $250/monthly dues covers sewer, trash, streetlights, clubhouse, community garden, & common area maintenance. That's it. No surprises. The home: A newly built & installed 2021 Fleetwood manufactured home "” 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, & 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, & 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, & 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 and 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.
| Last Updated | 8/10/2026 | Tract | Whale Rock Terrace, Inc. |
|---|---|---|---|
| Year Built | 2021 | Community | CAYU - Cayucos |
| County | San Luis Obispo |
Price History
| Prior to Apr 9, '26 | $705,000 |
|---|---|
| Apr 9, '26 - May 13, '26 | $695,000 |
| May 13, '26 - Jul 27, '26 | $689,000 |
| Jul 27, '26 - Aug 10, '26 | $685,000 |
| Aug 10, '26 - Today | $659,000 |
Additional Details
| ADULT COMMUNITY | Yes |
|---|---|
| AIR | ENERGY STAR Qualified Equipment |
| AIR CONDITIONING | Yes |
| AMENITIES | Sewer |
| APPLIANCES | Double Oven, ENERGY STAR Qualified Appliances, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Refrigerator, Self Cleaning Oven, Water Purifier, Water Softener |
| AREA | CAYU - Cayucos |
| HEAT | Central |
| HOA DUES | 250|Monthly |
| INTERIOR | Ceiling Fan(s), High Ceilings, Laminate Counters, Master Downstairs, Open Floorplan, Recessed Lighting |
| LOT | 0 |
| LOT DESCRIPTION | Close to Clubhouse, Corners Marked, Level |
| PARKING | Assigned, Asphalt, Concrete |
| POOL DESCRIPTION | None |
| SEWER | Public Sewer |
| STORIES | 1 |
| SUBDIVISION | Whale Rock Terrace, Inc. |
| UTILITIES | Cable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected |
| VIEW | Yes |
| VIEW DESCRIPTION | Ocean |
| WATER | Public |
| WATERFRONT DESCRIPTION | Beach Access |
Location
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The multiple listing data appearing on this website, or contained in reports produced therefrom, is owned and copyrighted by California Regional Multiple Listing Service, Inc. ("CRMLS") and is protected by all applicable copyright laws. Information provided is for viewer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the viewer may be interested in purchasing. All listing data, including but not limited to square footage and lot size is believed to be accurate, but the listing Agent, listing Broker and CRMLS and its affiliates do not warrant or guarantee such accuracy. The viewer should independently verify the listed data prior to making any decisions based on such information by personal inspection and/or contacting a real estate professional.
Based on information from California Regional Multiple Listing Service, Inc. as of 8/18/26 4:14 PM PDT and /or other sources. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information
This IDX solution is (c) Diverse Solutions 2026.
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