Whether 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 ¾ bath along with slight views of Morro Rock and the iconic Three Stacks. The garage includes washer and dryer hookups and a tucked-aw
MLS #
CRSC26066990
MLS Source
California Regional MLS
Bedrooms
Ground Floor Bedroom
Kitchen
Other
Appliances
Dishwasher, Garbage Disposal, Microwave, Other, Oven - Gas, Oven Range - Gas, Refrigerator, Dryer, Washer
Dining Room
Dining Area in Living Room, In Kitchen, Other
Fireplace
Living Room
Laundry
Stacked Only
Cooling
None
Pool
None
Style
Cottage
Garage/Parking
Carport, Covered Parking, Garage, Other, Garage: 1 Car(s)
Elementary District
San Luis Coastal Unified
High School District
San Luis Coastal Unified
HOA Fee
$0
440 Panay is a Single Family Residence in Morro Bay, CA 93442. This 880 square foot property sits on a 2,800 Sq Ft Lot and features 2 bedrooms & 2 full bathrooms. It is currently priced at $735,000 and was built in 1972. This address can also be written as 440 Panay, Morro Bay, CA 93442.
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This listing information is up-to-date as of March 30, 2026. For the most current information, please contact Hannah Atchison, (209) 607-3108