# 213 Dunes Street, Morro Bay, CA 93442 > **TL;DR:** 5bd/4ba commercial, $2,290,000, built 1989. > Waterfront, View, 5-car garage. Est. $12,247/mo. Listed 15 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $2,290,000 | | Bedrooms | 5 | | Bathrooms | 4 full | | Year Built | 1989 | | Lot Size | 5,227 sqft (0.12 acres) | | Stories | 2 | | Garage | 5-car | | Property Type | Commercial (Other) | | Status | Pending | | Days on Market | 15 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - City, Ocean - **Large Garage** - 5-car garage ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $11,579 | | Estimated Insurance | $668 | | **Total** | **$12,247** | ## Key Amenities - Waterfront - View - 5-car garage ## Property Highlights - Built in 1989 - 0.12 acre lot - 2 stories - 5 parking spaces - Waterfront ## Description ### Agent Description A distinctive opportunity for coastal living and investment, ideally situated just steps from the water and moments from Morro Bay's vibrant Embarcadero and downtown. Captivating bay and ocean views bring the beauty and sounds of the waterfront to life, while inviting outdoor decks provide the perfect setting to relax and embrace the coastal lifestyle. Extensively renovated in 2019 and 2023, this versatile four-unit property seamlessly blends comfortable coastal living with established short-term rental accommodations and the potential for additional income. Offering approximately 2,960 square feet of finished living space, the property features a main-level, one-bedroom owner's residence with a full kitchen, living room, laundry room, storage and bathroom. Upstairs, a second one-bedroom unit offers a full kitchen, living room, bathroom, sitting room (currently being used as a 2nd bedroom) and spectacular water views. Two additional upstairs studios each feature a kitchenette-style prep area and private bathroom. Three garages provide parking for up to five vehicles. Currently, the owners occupy one unit while operating the remaining three as short-term rentals, with an emphasis on providing a quiet, high-quality guest experience. The owner's residence presents an opportunity to generate additional rental income, offering flexibility for a future owner to enjoy the property as a personal coastal retreat, an income-producing investment, or a combination of both. Originally operated as a bed and breakfast, the property is situated within the C-VS (Visitor-Serving Commercial) and R-3 (Multifamily Residential) zoning districts. Short-term rental operations are permitted under applicable zoning provisions and are exempt from the City's residential short-term rental cap and waitlist, subject to City requirements. Upon acquisition, new owners must obtain their own City of Morro Bay business license and Transient Occupancy Tax (TOT) Certificate. The property is served by a single utility account, with one meter each for water, electricity, and gas. Buyers are advised to independently verify zoning, permitted uses, licensing requirements, and all regulations governing future rental operations with the City of Morro Bay. ## Location - **Address:** 213 Dunes Street, Morro Bay, CA 93442 - **County:** San Luis Obispo - **Neighborhood:** Embarcadero(750) - **Coordinates:** 35.367985, -120.852869 - **Google Maps:** https://www.google.com/maps?q=35.367985,-120.852869 ## Listing Agent - **Name:** Linda Wilson · **License:** 01045160 - **Brokerage:** Richardson Properties, Inc. - **Broker Phone:** (805) 781-6040 ## Photos ![213 Dunes Street - Photo 1](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3809437310r.jpg) ![213 Dunes Street - Photo 2](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f4077236794r.jpg) ![213 Dunes Street - Photo 3](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f2903736649r.jpg) ![213 Dunes Street - Photo 4](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f4070113782r.jpg) ![213 Dunes Street - Photo 5](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f612915746r.jpg) ![213 Dunes Street - Photo 6](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3260277553r.jpg) ![213 Dunes Street - Photo 7](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f4238781419r.jpg) ![213 Dunes Street - Photo 8](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f414768796r.jpg) ![213 Dunes Street - Photo 9](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f1253201841r.jpg) ![213 Dunes Street - Photo 10](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f2884088396r.jpg) ![213 Dunes Street - Photo 11](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f2406684555r.jpg) ![213 Dunes Street - Photo 12](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3812258255r.jpg) ![213 Dunes Street - Photo 13](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f2709638885r.jpg) ![213 Dunes Street - Photo 14](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f1202185057r.jpg) ![213 Dunes Street - Photo 15](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f2851464109r.jpg) ![213 Dunes Street - Photo 16](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f2846431131r.jpg) ![213 Dunes Street - Photo 17](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f4088291712r.jpg) ![213 Dunes Street - Photo 18](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f1605573092r.jpg) ![213 Dunes Street - Photo 19](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3416843552r.jpg) ![213 Dunes Street - Photo 20](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f1296715239r.jpg) ![213 Dunes Street - Photo 21](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3529091034r.jpg) ![213 Dunes Street - Photo 22](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f2796730788r.jpg) ![213 Dunes Street - Photo 23](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f385325287r.jpg) ![213 Dunes Street - Photo 24](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f993114585r.jpg) ![213 Dunes Street - Photo 25](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3548928254r.jpg) ![213 Dunes Street - Photo 26](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f909426432r.jpg) ![213 Dunes Street - Photo 27](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3445759704r.jpg) ![213 Dunes Street - Photo 28](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f2832936355r.jpg) ![213 Dunes Street - Photo 29](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f1928890044r.jpg) ![213 Dunes Street - Photo 30](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3669504656r.jpg) ![213 Dunes Street - Photo 31](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f1216518792r.jpg) ![213 Dunes Street - Photo 32](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3000725583r.jpg) ![213 Dunes Street - Photo 33](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f2796800841r.jpg) ![213 Dunes Street - Photo 34](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f346912457r.jpg) ![213 Dunes Street - Photo 35](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f567062078r.jpg) ![213 Dunes Street - Photo 36](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3380929583r.jpg) ![213 Dunes Street - Photo 37](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f502939307r.jpg) ![213 Dunes Street - Photo 38](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f454223320r.jpg) ![213 Dunes Street - Photo 39](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3764911582r.jpg) ![213 Dunes Street - Photo 40](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3671288662r.jpg) ![213 Dunes Street - Photo 41](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f3363757430r.jpg) ![213 Dunes Street - Photo 42](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f687586321r.jpg) ![213 Dunes Street - Photo 43](http://lh.rdcpix.com/2698f12ef4336f508cdb1e1f57410e3bl-f1556296672r.jpg) --- **MLS#:** SC26221926 | **Updated:** 2026-10-28 **Source:** listhub *Copyright © 2026 California Regional Multiple Listing Service, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/213-dunes-street-morro-bay-ca-93442-70bd3997aef74c399ba2a1bc1aa7be26) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/213-dunes-street-morro-bay-ca-93442-70bd3997aef74c399ba2a1bc1aa7be26#listing", "url": "https://www.propertysimple.ai/listing/213-dunes-street-morro-bay-ca-93442-70bd3997aef74c399ba2a1bc1aa7be26", "name": "213 Dunes Street, Morro Bay, CA 93442", "description": "A distinctive opportunity for coastal living and investment, ideally situated just steps from the water and moments from Morro Bay's vibrant Embarcadero and downtown. Captivating bay and ocean views bring the beauty and sounds of the waterfront to life, while inviting outdoor decks provide the perfect setting to relax and embrace the coastal lifestyle. Extensively renovated in 2019 and 2023, this versatile four-unit property seamlessly blends comfortable coastal living with established short-term rental accommodations and the potential for additional income. Offering approximately 2,960 square feet of finished living space, the property features a main-level, one-bedroom owner's residence with a full kitchen, living room, laundry room, storage and bathroom. Upstairs, a second one-bedroom unit offers a full kitchen, living room, bathroom, sitting room (currently being used as a 2nd bedroom) and spectacular water views. Two additional upstairs studios each feature a kitchenette-style prep area and private bathroom. Three garages provide parking for up to five vehicles. Currently, the owners occupy one unit while operating the remaining three as short-term rentals, with an emphasis on providing a quiet, high-quality guest experience. The owner's residence presents an opportunity to generate additional rental income, offering flexibility for a future owner to enjoy the property as a personal coastal retreat, an income-producing investment, or a combination of both. Originally operated as a bed and breakfast, the property is situated within the C-VS (Visitor-Serving Commercial) and R-3 (Multifamily Residential) zoning districts. Short-term rental operations are permitted under applicable zoning provisions and are exempt from the City's residential short-term rental cap and waitlist, subject to City requirements. Upon acquisition, new owners must obtain their own City of Morro Bay business license and Transient Occupancy Tax (TOT) Certificate. The property is served by a single utility account, with one meter each for water, electricity, and gas. 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