Charming 3-Bedroom Coastal Home in Morro Bay’s Sought-After Beach Tract
Welcome to 160 Terra Street, a classic single-level home in Morro Bay’s desirable Beach Tract—just a short stroll from the sand, Morro Strand State Beach, and iconic views of Morro Rock. This 3-bedroom, 2-bath residence offers the quintessential Central Coast lifestyle with easy access to the Embarcadero’s restaurants, shops, and waterfront, plus nearby parks, trails, and the protected Morro Bay estuary.
The home sits on a unique street-to-street lot with gated access to the backyard, providing privacy and flexibility. Inside you’ll find a largely original layout that includes a skylight in the dining area for natural light and a private bathroom in the primary bedroom. Windows have been replaced, while the rest of the home remains mostly original—offering a solid foundation for updates and personalization.
This property needs a little work, making it an excellent opportunity for buyers looking to customize a coastal home and build equity in one of Morro Bay’s most convenient beach-close neighborhoods. Single-story living is the long-term character of the Beach Tract, helping preserve the open feel and ocean proximity that define this area.
Enjoy mild year-round weather, morning beach strolls, sunsets over the Pacific, and the relaxed pace of Central Coast living. Whether as a primary residence, vacation home, or renovation project with strong long-term potential, 160 Terra Street delivers location, lifestyle, and opportunity.
For sale
Listed by: Rock View Realty • Kathleen Thomson • Contact: 805-440-4273
$1,125,000
160 Terra St, Morro Bay, CA 93442
3beds
1,636sqft
Single Family Residence
Built in 1967
6,195 Square Feet Lot
$1,089,100 Zestimate®
$688/sqft
$-- HOA
What's special
- 3 days
- 1,274
- 52
Zillow last checked:
Listing updated:
Listed by:
Kathleen Thomson DRE #01922278 805-440-4273,
Rock View Realty
Source: CRMLS,MLS#: SC26189731
Originating MLS: California Regional MLS
Originating MLS: California Regional MLSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Rooms
- Room types: Bedroom, Den, Living Room, Dining Room
Bedroom
- Features: All Bedrooms Down
Bathroom
- Features: Tile Counters
Kitchen
- Features: Kitchen/Family Room Combo
Heating
- Electric
Cooling
- None
Appliances
- Included: Electric Oven, Electric Range, Electric Water Heater, Refrigerator
- Laundry: In Garage
Features
- Wet Bar, Breakfast Bar, Ceiling Fan(s), Separate/Formal Dining Room, All Bedrooms Down
- Flooring: Carpet, Vinyl
- Doors: Sliding Doors
- Has fireplace: Yes
- Fireplace features: Electric, Living Room
- Common walls with other units/homes: No Common Walls
Interior area
- Total interior livable area: 1,636 sqft
Property
Parking
- Total spaces: 2
- Parking features: Driveway Level, Garage Faces Front
- Attached garage spaces: 2
Accessibility
- Accessibility features: None
Features
- Levels: One
- Stories: 1
- Entry location: front of house
- Patio & porch: Concrete, Deck
- Pool features: None
- Spa features: None
- Fencing: Brick,Wood
- Has view: Yes
- View description: Peek-A-Boo
Lot
- Size: 6,195 Square Feet
- Features: Front Yard, Lawn, Street Level
Details
- Additional structures: Shed(s)
- Parcel number: 065363002
- Special conditions: Trust
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Roof: Asphalt
Condition
- New construction: No
- Year built: 1967
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Electricity Connected, Water Connected
Community & HOA
Community
- Features: Biking, Curbs, Dog Park, Fishing, Golf, Hiking, Park, Sidewalks
- Subdivision: Beach Tract(730)
Location
- Region: Morro Bay
Financial & listing details
- Price per square foot: $688/sqft
- Tax assessed value: $1,096,500
- Date on market: 8/31/2026
- Cumulative days on market: 3 days
- Listing terms: Cash,Cash to New Loan,Conventional
- Road surface type: Paved
Estimated market value
$1,089,100
$1.03M - $1.14M
$4,006/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/31/2026 | Listed for sale | $1,125,000+7400%$688/sqft |
Source:  CRMLS #SC26189731 Report a problem | ||
| 1/12/1999 | Sold | $15,000-85.1%$9/sqft |
Source: Public Record Report a problem | ||
| 3/8/1995 | Sold | $101,000$62/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2026 | -- | $1,096,500 +886.4% |
| 2025 | $1,148 +1.9% | $111,161 +2% |
| 2024 | $1,127 +2% | $108,983 +2% |
| 2023 | $1,105 +6.8% | $106,847 +2% |
| 2022 | $1,034 +1.8% | $104,753 +2% |
| 2021 | $1,017 +1.1% | $102,700 +1% |
| 2020 | $1,005 +1.2% | $101,648 +2% |
| 2019 | $994 +2.2% | $99,656 +2% |
| 2018 | $973 +2.2% | $97,703 +2% |
| 2017 | $952 +2.2% | $95,788 +2% |
| 2016 | $932 | $93,911 +1.5% |
| 2015 | $932 +10.9% | $92,501 +2% |
| 2014 | $840 | $90,690 +2.5% |
| 2012 | -- | $88,512 +2% |
| 2011 | -- | $86,777 +0.8% |
| 2010 | -- | $86,129 -0.2% |
| 2009 | -- | $86,334 +2% |
| 2008 | -- | $84,642 +2% |
| 2007 | -- | $82,983 +2% |
| 2006 | -- | $81,357 +2% |
| 2005 | -- | $79,763 +2% |
| 2004 | -- | $78,200 +1.9% |
| 2003 | -- | $76,768 +2% |
| 2002 | -- | $75,264 +2% |
| 2001 | -- | $73,789 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 93442
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