Seller's Agent in 2026
Hannah Hudson
Compass
(209) 607-3108
15 Total Sales
440 Panay St Morro Bay, CA 93442
Estimated Value: $726,000 - $772,000
2
Beds
2
Baths
880
Sq Ft
$847/Sq Ft
Est. Value
Highlights
- Ocean View
- Deck
- Main Floor Bedroom
- Del Mar Elementary School Rated A-
- Vaulted Ceiling
- Granite Countertops
About This Home
As of March 2026Whether you’re seeking a full-time residence or the ideal coastal escape, this inviting beach cottage delivers relaxed seaside living in an exceptional location. Welcome to 440 Panay in beautiful Morro Bay! This thoughtfully updated 2-bedroom, 1.75-bath home offers approximately 900± sq ft of living space, complemented by a one-car garage with generous storage and a welcoming front porch with a peekaboo ocean view. Step inside to vaulted wood ceilings, abundant natural light, luxury vinyl plank flooring, and a charming wood-burning stove that creates an immediate sense of warmth and comfort. The bright kitchen showcases new granite countertops, expanded cabinetry, updated lighting, and newer appliances—all included—making it as functional as it is stylish. Just beyond, the recently renovated bathroom features built-in storage, a striking white stone sink, and eye-catching teal tile in the shower for a fresh coastal feel. Toward the rear of the home, you’ll find two comfortable bedrooms with ample closet space. The “blue room” offers beautiful natural light and custom handmade mirrored closet doors, while the second bedroom includes its own updated 3⁄4 bath along with slight views of Morro Rock and the iconic Three Stacks. The garage includes washer and dryer hookups and a tucked-away area ideal for additional storage. Need more car space? The carport out front is perfect for that. Outside, the fully fenced backyard is simply landscaped and ready for relaxing afternoons or weekend gatherings. Located within half a mile of the beach, restaurants, and schools, this move-in-ready coastal gem truly has it all—inviting you to settle in and start living your California beach dream.
Last Agent to Sell the Property
Compass Brokerage Phone: 209-607-3108 License #02087797 Listed on: 03/27/2026
Home Details
Home Type
- Single Family
Year Built
- Built in 1972
Lot Details
- 2,800 Sq Ft Lot
- Privacy Fence
- Wood Fence
- Density is up to 1 Unit/Acre
Parking
- 1 Car Attached Garage
- 1 Carport Space
- Parking Available
- Single Garage Door
- Driveway
Property Views
- Ocean
- Peek-A-Boo
- Neighborhood
Home Design
- Cottage
- Entry on the 1st floor
Interior Spaces
- 880 Sq Ft Home
- 1-Story Property
- Vaulted Ceiling
- Double Pane Windows
- Living Room with Fireplace
- Formal Dining Room
- Vinyl Flooring
Kitchen
- Eat-In Kitchen
- Gas Oven
- Gas Cooktop
- Microwave
- Dishwasher
- Granite Countertops
- Disposal
Bedrooms and Bathrooms
- 2 Main Level Bedrooms
- Remodeled Bathroom
- Bathtub with Shower
- Walk-in Shower
Laundry
- Laundry in unit
- Stacked Washer and Dryer
Outdoor Features
- Deck
- Enclosed Patio or Porch
- Exterior Lighting
Location
- Suburban Location
Listing and Financial Details
- Legal Lot and Block 6 / 4
- Assessor Parcel Number 065056005
Community Details
Overview
- No Home Owners Association
Recreation
- Hiking Trails
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Mar 27, 2026
Closed on
Mar 23, 2026
Sold by
Bought by
Seller's Agent
Hannah Hudson
Compass
Buyer's Agent
Jessica Padilla
Compass
List Price
$745,000
Sold Price
$735,000
Premium/Discount to List
-$10,000
-1.34%
Views
4
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$10,102
Avg. Annual Appreciation
5.00%
Purchase Details
Closed on
May 16, 2005
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$265,000
Interest Rate
0.0556%
Mortgage Type
Fannie Mae Freddie Mac
Purchase Details
Closed on
May 30, 2000
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$169,000
Interest Rate
0.089%
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Home Values in the Area
Average Home Value in this Area
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $735,000 | First American Title | ||
| -- | None Available | ||
| $188,000 | Chicago Title Co |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Closed | $230,110 | ||
| Closed | $212,000 | ||
| Closed | $265,000 | ||
| Closed | $180,000 | ||
| Closed | $180,000 | ||
| Closed | $169,000 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 03/30/2026 03/30/26 | Sold | $735,000 | -1.3% | $835 / Sq Ft |
| 03/27/2026 03/27/26 | For Sale | $745,000 | -- | $847 / Sq Ft |
| 03/15/2026 03/15/26 | Pending | -- | -- | -- |
Source: California Regional Multiple Listing Service (CRMLS)
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $2,992 | $283,261 | $180,809 | $102,452 |
| 2024 | $2,936 | $277,708 | $177,264 | $100,444 |
| 2023 | $2,936 | $272,264 | $173,789 | $98,475 |
| 2022 | $2,751 | $266,927 | $170,382 | $96,545 |
| 2021 | $2,705 | $261,694 | $167,042 | $94,652 |
| 2020 | $2,677 | $259,012 | $165,330 | $93,682 |
| 2019 | $2,648 | $253,935 | $162,089 | $91,846 |
| 2018 | $2,594 | $248,957 | $158,911 | $90,046 |
| 2017 | $2,542 | $244,077 | $155,796 | $88,281 |
| 2016 | $2,491 | $239,292 | $152,742 | $86,550 |
| 2015 | $2,452 | $235,698 | $150,448 | $85,250 |
| 2014 | $2,250 | $231,082 | $147,501 | $83,581 |
Source: Public Records
Agents Affiliated with this Home
-
Hannah Hudson
-
Jessica Padilla
Buyer's Agent in 2026
Jessica Padilla
Compass
(805) 779-7800
19 Total Sales
Map
Source: California Regional Multiple Listing Service (CRMLS)
MLS Number: SC26066990
APN: 065-056-005
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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. 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
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