230 Capitol Dr, Santa Maria, CA

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230 Capitol Dr, Santa Maria, CA | HUDPRO

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HUDPRO Insight

What this property is

In practical terms, this is a comfortable 3-bedroom, 1-bath single family home with 1,530 sq ft on a generous lot built in 1951. Santa Maria, CA behaves like a more competitive submarket — tour early if owner-occupant priority applies.

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Financing & repairs

IE (insurable with escrow) signals required repairs handled at closing via repair escrow — still a 203(b) path for many buyers, but the escrow amount and timeline matter as much as list price. Selling as-is often means HUD is not budgeting turn-key cosmetics — budget contingency for systems, moisture, and deferred maintenance even on insurable cases. 203(k) eligibility on the listing is a green light to discuss renovation financing — not a guarantee your contractor timeline fits the bid window.

Repair escrow (IE) guide HUD financing guide

Buyer competition & practicality

Exclusive or lottery-style periods can narrow who may bid and when — match your agent’s registration to the case rules before you tour. At roughly 4 days on market, this is relatively fresh HUD inventory — competition can spike once photos and PCR circulate.

HUD buyer workflow Market News

Current bid phase

Owner Occupied*

All Bidders

* Owner Occupied includes non-profits & government agencies only

HUDPRO Property Snapshot

Get a HUDPRO opinion

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Days on Market4 days

Price TrendStable

Listing ActivityNew

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HUD Program Eligibility

$100 Down EligibleNo

Good Neighbor Next DoorNo

203(k) Eligible – Repairs & Renovations FinancingYes

FHA StatusIE (Insured Escrow)

HUD List Price

$550,000

3 bd · 1 ba · 1,530 sq ft

Built 1951 · Lot 6,000 sq ft

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Santa Barbara County, CAHome inspector

Bid DateSun, Oct 25 • 11:59 PM CT

Buyer FitPhase: Owner Occupied · Insured Escrow

Property Snapshot3 bd / 1 ba · 1,530 sq ft

Financing203(k): Eligible

HUDPRO Buyer Report

Here's what we think
about this home.

230 Capitol Dr, Santa Maria CA 93454 · Listed $550,000

Valuation data not available

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Is This a Deal?

—

Valuation data not available

Can I Finance It?

FHA Options

Includes 203(k) rehab financing

Check with a HUDPRO mortgage partner for all options

Monthly ownership?

~$3,487 / mo

P&I from list price — no HOA on listing; add tax, insurance & MIP for full cost. Illustrative 30-yr FHA P&I at ~6.875% with 3.5% down. Not a lender quote.

How Much Work?

$15k – $25k

Moderate repairs estimated

Basic payment estimate

Principal & interest only — illustrative, not a loan offer. Plus or Elite adds HOA, taxes, insurance, MIP, and the full ownership breakdown.

Purchase priceDown payment (%)Interest rate (%)Term (years)

Est. monthly P&I: ~$3,355 / mo

Plus or Elite: full cost breakdown & deeper repair context →

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Real Deal™ score & value vs. market
Deep repair & condition context
Full ownership & scenario modeling
Strategy guidance

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How Urgent Is This?

5 days left

Bids due: Sun, Oct 25 (11:59 PM CT)

Homes like this move fast. Schedule a showing now.

Contact your HUDPRO team above to schedule a viewing before the deadline.

Buyer Eligibility

Owner-occupants only

Must be your primary residence for at least 12 months.

No investors during this period.

Recent Sold HUD Homes in This County

Archived HUD sales in Santa Barbara County — use as context, not a formal appraisal.

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Investors

Deal metrics

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List $ / sq ft

$359

From list price & square footage (not compare API)

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Listing data reflects publicly available HUD program information. Confirm property details, market conditions, and bidding strategy with a HUD-experienced real estate professional familiar with your target area.