2645 El Cerrito

San Luis Obispo, CA 93401

$2,639,000

6 beds
4 baths
4,244 sq ft
0.21 acres
Built 1970

Listed by Compass · MLS #PI26152966

2645 El Cerrito, San Luis Obispo, CA 93401 — photo 1

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2645 El Cerrito, San Luis Obispo, CA 93401 · MLS #PI26152966

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A FEW THINGS TO NOTICE

What stands out.

Details worth a look

A dedicated home office opens onto a spacious deck, providing an inspiring work-from-home retreat with breathtaking views and peaceful surroundings.

Year built

Built in 1970.

Garage parking

2 garage spaces listed.

Highlights from the listing description and property details. Confirm features with the listing agent.

THE PROPERTY

Get to know the property.

Discover timeless elegance in this beautifully maintained 4,244-square-foot residence, thoughtfully designed to blend everyday comfort with effortless entertaining. Featuring six spacious bedrooms and four full bathrooms, this exceptional home offers generous living spaces, refined finishes, and a classic aesthetic that will never go out of style.

The heart of the home is an impressive open-concept kitchen that flows seamlessly into the main living area, creating the perfect setting for gathering with family and friends. Designed with both beauty and functionality in mind, the chef's kitchen features quartz countertops, a handcrafted Moroccan tile backsplash, premium Thermador appliances, and abundant prep and storage space.

A dedicated home office opens onto a spacious deck, providing an inspiring work-from-home retreat with breathtaking views and peaceful surroundings. Expansive windows throughout the home fill the interior with natural light while showcasing the beauty of the colorful landscape.

Engineered hardwood flooring extends throughout the main living areas, complemented by plush carpeting in select spaces for added warmth and comfort. A durable metal roof and integrated surround sound system provide lasting quality and modern convenience.

Step outside to an inviting backyard designed for year-round enjoyment. Gather around the gas fire pit on cool evenings, entertain guests under the open sky, or simply relax while taking in the spectacular views that make this property truly special.

Combining timeless design, high-end finishes, and exceptional indoor-outdoor living, this remarkable home offers the perfect balance of luxury, comfort, and functionality—creating a place you'll be proud to call home.

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THE NEIGHBORHOOD

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2645 El Cerrito, San Luis Obispo, CA 93401

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THE DETAILS

The details, all in one place.

Property type: Residential
Category: Residential
Year built: 1970
Full baths: 2
Garage spaces: 2
Cooling: CentralAir,Dual
Heating: Central,ForcedAir,Fireplaces,NaturalGas
Appliances: SixBurnerStove,BuiltInRange,ConvectionOven,DoubleOven,Dishwasher,GasCooktop,Disposal,GasOven,GasRange,GasWaterHeater,IndoorGrill,IceMaker,Microwave,Refrigerator,SelfCleaningOven,WaterSoftener,TanklessWaterHeater,WaterToRefrigerator,WaterPurifier,Dryer,Washer
Flooring: Carpet,Wood
Pool: No
Pool features: None
Spa: No
Subdivision: San Luis Obispo(380)
Parcel: 004393011
HOA fee: $0.00

Features and school information are supplied by the listing source. Confirm measurements, school assignments, HOA terms and rental restrictions before making a decision.

OWNERSHIP, WITH A PLAN

Investor outlook.

Explore this property’s rental potential with an all-cash purchase. Monthly rent starts at 5% of the purchase price per year, divided by 12. Adjust it and the other assumptions to explore your scenario.

These are planning assumptions, not a rental appraisal or a loan quote. The starting rent is a price-based estimate; a local leasing professional can help confirm market rent.

Investor outlook assumes an all-cash purchase. No mortgage payment is deducted.

Estimated monthly cash flow · cash purchase—

Estimated monthly rent$10,995.83

Cap rate—

Annual operating income: —

HOA: No HOA cost is included because the listing source reports a $0 fee. Confirm current dues and special assessments before relying on this estimate.

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Adjust assumptions

Purchase price

Rental income & operating costs

Estimated monthly rent

Purchase price × 5% ÷ 12. Updates with purchase price until you enter a custom rent.

Vacancy allowance (%) Management fee (%) Maintenance reserve (%) Capital reserve (%)

Annual property tax

Annual insurance

Annual insurance starts at purchase price × 0.25%, rounded to the nearest available amount. Updates with purchase price until you choose another amount.A planning estimate, not an insurance quote. Adjust it for your property and coverage.

Monthly HOA

Other monthly costs

Percentages are editable examples, not ERA fee quotes. Management is applied to rent after vacancy; maintenance and capital reserves use scheduled rent. Add owner-paid utilities, mortgage insurance and other recurring expenses under other costs.

How this scenario is calculated

Annual operating income is rent after vacancy, management, maintenance, taxes, insurance, HOA and other operating costs, before financing and capital reserves. Cap rate divides annual operating income by purchase price. Estimated monthly cash flow assumes an all-cash purchase: rent after vacancy, management, maintenance, taxes, insurance, HOA, other operating costs and capital reserves. No mortgage payment is deducted. The mortgage calculator is separate; loan payments would reduce cash flow for a financed purchase. One-time acquisition costs, renovations, income taxes, depreciation and appreciation are excluded.

Mortgage payment calculator

Explore financing separately. These loan settings do not change the all-cash investor outlook.

Mortgage assumptions

Down payment (%) Interest rate (%) Loan term

20% down and 7% interest are illustrative starting values.

Estimated monthly principal & interest—Loan payment only. Excludes property taxes, homeowners/flood insurance, mortgage insurance and HOA dues.

About this payment estimate

Based on a fixed-rate, fully amortizing loan with monthly payments and the price, down payment, interest rate and term you select. The interest rate is an example, not a current rate offer or APR; APR includes certain loan costs. This is an illustration, not a Loan Estimate, approval, offer of credit or commitment to lend.

Your actual payment, rate and eligibility depend on your lender, credit, loan program and property. Closing costs, points, prepaid expenses and lender fees are not included. Taxes and insurance may change, and mortgage insurance may be required, particularly with a down payment below 20%. Ask your lender for a Loan Estimate and a complete monthly payment including applicable taxes, insurance and fees.

Dollar results are rounded to the nearest cent; calculations retain precision until display. A cash purchase has no loan payment but still has ownership costs. Understand your total home payment (CFPB).

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Listing information

MLS #PI26152966 · California Regional MLS

Listing brokerage: Compass
Listing agent: Kris McLaughlin

Listing status: Active. Record updated September 10, 2026. Confirm current availability and price with the listing agent.

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 © 2023 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. Information deemed reliable but not guaranteed. Copyright © 2023 California Regional Multiple Listing Service, Inc. All rights reserved.