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195 Cedar St , Pacific Grove, CA 93950
$1,500,000
Est. Payment: $7,518.65/mo
3 Bed
2 Bath
1229 Sqft
Status: active | Days on site: 14
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

From the street, the stone chimney rises through the roofline with the kind of conviction that only comes from history. The house itself, a 1910 cottage painted the faded gray-white of a marine layer, is showing its age. The landscaping is thin. But the bones are there, and in Pacific Grove, bones like these are worth paying attention to. Inside, the living room stops you. White plaster walls with a hand-finished texture, dark wood beams crossing a ceiling higher than the modest exterior suggests, and a floor-to-ceiling stone fireplace built from rough-cut blocks with an arched firebox at its base. The hardwood floors are worn in the way that comes from a century of actual use - not distressed on purpose, just honest. An arched doorway leads toward the bedrooms, the kind of architectural detail worth noticing. What you're buying is a 1,229 square foot, three-bedroom two bath cottage with a fenced yard, a detached two-car garage that rivals a small barn, and a living room that most renovated houses in this area would trade their new quartz countertops for. The structure has something that's genuinely hard to manufacture. The rest is up to you. And then there's the location - close to town, the local golf course, the Monterey Recreation Trail, & the sandy beaches at Lover's Point.
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Highlights

Listed by Amber Russell Kerchner , 831-402-1982 Over the Moon Realty, Inc , (831) 402-1982. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential
Lot/Acreage
0.13

Year Built

1910

County

Monterey

Area

699 - Not Defined

 School District

Other

Listing ID

ML82049195

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Freezer, Refrigerator, Washer
Floor:Wood
Other:Walk-In Closet(s)
Other:Public

Exterior Features

Lot:No Land Lease
Garage Capacity:2
Zoning:R-1
Roof:Shingle
Sewer:Public Sewer
Parking Features:Off Street
Principal Interest
$7,519
Taxes
$956

Home Price

$1,500,000

Loan Details

30 yrs
6.416%

Down Payment

20%
$300,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$7,518.65

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,518.65 $956.25 $0.00 $8,474.90
Yearly $90,223.76 $11,475.00 $0.00 $101,698.76
Total $2,706,712.88 $344,250.00 $0.00 $3,050,962.88
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So-Crates Johnson
Dust, Wind, Dude
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Market insight data is pulled from the same city as the listing being viewed (Pacific Grove, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

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Data last updated: 2026-06-25T23:39:42.000Z

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