California Central Coast
Your Central Coast Realtor® — Paso Robles · Templeton · Atascadero · San Luis Obispo
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About
Karlie Montgomery is a Realtor® and California broker (DRE #01905914) helping buyers and sellers in Paso Robles, Atascadero, and Templeton. Broker Owner of Luxton Real Estate in Paso Robles, she has 300+ homes sold since 2011. She guides her clients through pricing, negotiation, and each step to closing. A Central Coast local since 1980 and a graduate of Atascadero High School and Cal Poly San Luis Obispo, Karlie also serves San Luis Obispo, Avila Beach, and Arroyo Grande, with a focus on first-time buyers, VA loans for veterans, and investment and short-term rental properties. As an active rental investor herself, she knows that market from both sides of the table.
At the heart of everything Karlie does is a genuine love for helping people purchase real estate. Whether it's a first home, a vacation property, or an investment portfolio, she finds deep fulfillment in connecting clients with the right property and watching their goals become a reality.
A proud Central Coast resident since 1980, Karlie's knowledge of the Paso Robles area runs deep. She is a graduate of Atascadero High School and Cal Poly San Luis Obispo, and has spent decades building relationships in the communities she serves. Outside of real estate, Karlie treasures time with her husband and family, and has a love for racing and travel.
"Every home has a story, and every client has a dream. I consider it the greatest privilege to be part of those moments, the nervous excitement, the happy tears, the fresh starts. I don't just sell real estate. I help people begin the next chapter of their lives."
California Central Coast
Known for its world-class wineries, oak-studded hills, and vibrant downtown, Paso Robles offers a relaxed wine country lifestyle with a warm small-town spirit.
Explore CommunityA charming rural community nestled between Paso Robles and Atascadero, Templeton is prized for its rolling ranchland, peaceful country living, and small-town atmosphere.
Explore CommunityA welcoming city with a rich history, Atascadero blends small-town charm with outdoor recreation, local parks, and a growing arts and dining scene along the Central Coast.
Explore CommunityAffectionately known as SLO, this vibrant city offers a thriving downtown, beautiful natural surroundings, and a laid-back California lifestyle midway between LA and San Francisco.
Explore CommunityA hidden gem on the Central Coast, Avila Beach is beloved for its warm sunny weather, sandy shores, and relaxed seaside village atmosphere.
Explore CommunityA picturesque community with a charming historic village, Arroyo Grande combines small-town warmth with easy access to beaches, wine country, and outdoor recreation.
Explore CommunityFor Home Buyers
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Search thousands of active MLS listings across Paso Robles, Templeton, Atascadero, San Luis Obispo, Avila Beach, Arroyo Grande and surrounding communities.
Buying your first home is one of the most exciting milestones of your life. Karlie will walk you through every step, from getting pre-approved to closing day, with patience, clarity, and expert guidance.
With extensive experience helping veterans use their VA loan benefits, Karlie understands the unique process and will make sure you get every advantage you've earned.
Whether you're looking for a short-term rental, long-term rental, or second home on the Central Coast, Karlie's market knowledge and her own experience as a rental investor help you weigh your options.
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For Home Sellers
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Karlie uses deep local market data to price your home competitively, attracting the right buyers and maximizes your return.
From professional photography to targeted marketing, Karlie ensures your property is presented beautifully and seen by the right buyers at the right time.
With decades of Central Coast experience, Karlie negotiates the terms of your sale and keeps you informed through closing.
Client Stories
Client comments, shown in condensed form.
She is knowledgeable, responsive, determined, reassuring, and genuinely invested in her clients. When something needs to happen, Karlie makes it happen. When you're nervous, she makes you feel like everything is going to be okay.
Karlie is simply the BEST! Her knowledge of the market and her negotiating skills were instrumental in making the whole process smooth and easy. You can trust Karlie to help you find your dream home.
Karlie is an incredible asset to any homebuyer. She is responsive, attentive, and a true professional. We felt very safe and secure knowing we had her to guide us as first-time homebuyers.
Karlie helped me sell, buy and sell again all within less than a year! She took the reins when needed and helped me navigate an industry I was unfamiliar with. I can't express my appreciation enough.
Her attention to detail, deep knowledge of contracts and disclosures, and superior customer service made every step of my home sale seamless and stress-free. Her professionalism, responsiveness, and ability to anticipate issues before they arise made me feel supported and confident throughout the entire process. From coordinating solar transfers and title work to ensuring every document was signed and filed correctly, Karlie handled it all with precision and grace.
Karlie is a truly exceptional agent. She is knowledgeable about the area, very experienced, creative when problems arise, on top of everything, extremely responsive and highly business savvy. It does not always feel that agents really fight for you. Karlie does.
Common Questions
Central Coast Real Estate Insights
Tips, market updates, and local insights from Karlie Montgomery
October 2026
Paso Robles has capped short-term rental permits and the waitlist is real. Atascadero still has no formal STR ordinance. Karlie breaks down what each city currently allows, and how to evaluate a second home or rental investment on the Central Coast.
Read the ArticleSeptember 2026
On September 16 the Fed raised its benchmark rate for the first time in over three years, and mortgage rates have climbed above 7% (Freddie Mac’s weekly 30-year average was 7.40% as of October 15, 2026). Here is what that means for the payment on a Central Coast home, and what buyers and sellers in Paso Robles and Atascadero should do this month.
Read the ArticleAugust 2026
Nearly half of U.S. home sales now include a seller concession. Karlie breaks down what a concession and a rate buydown cost, what they do for a buyer's payment, and when they work better than a price cut.
Read the ArticleQuick Takes
Short answers to questions Karlie hears often. Reach out for advice on your specific situation.
Updated October 2026
As of October 15, 2026, Freddie Mac’s weekly survey put the average 30-year fixed rate at 7.40%, up from 6.27% a year earlier. Many buyers are waiting for a big drop before making a move, but no one can promise when or whether rates will fall. The smarter play? Buy the right home when you find it, negotiate well, and refinance if rates dip later. On the Central Coast, waiting often just means more competition for the same house.
Talk to KarlieMay 2026
With a more balanced market in 2026, many SLO County homeowners are asking whether to list now, wait for rate drops, or hold. The answer depends on your property, pricing, and preparation. Spring remains a strong season, and well-priced homes are still moving.
Talk to KarlieApril 2026
Overpricing is the single biggest mistake sellers make in today's market. With more inventory and buyers negotiating carefully, accurate comp-based pricing is critical. Karlie provides a detailed market analysis to help you price right and sell faster.
Get a Free ValuationMarch 2026
Gone are the days of homes selling overnight. In today's market, properly prepared and priced homes in SLO County are typically taking 1-2 months to sell. Redfin put the countywide median at 50 days on market for the three months ending September 2026. Here is what to expect and how to position your home for the fastest possible sale.
Talk to KarlieFebruary 2026
Buyers today scrutinize inspections more closely than ever. Focus on high-impact items like roof, HVAC, plumbing, electrical, and termite issues first. Then cosmetic updates like paint, flooring, and staging can make a significant difference in attracting strong offers.
Talk to KarlieJanuary 2026
Many sellers are surprised by closing costs. In California, total selling costs typically range from 6-10% of the sale price, including commissions, title, escrow, transfer taxes, and repairs. Karlie provides a full net proceeds estimate so you know exactly what to expect.
Get a Net SheetDecember 2025
In a competitive market, presentation matters more than ever. Neutral updates, decluttering, and professional staging help attract offers faster and for more money. Here is what Karlie recommends to get your home ready to impress buyers from the first showing.
Talk to KarlieNovember 2025
Not all SLO County neighborhoods move the same way. South County areas like Arroyo Grande often behave differently than SLO proper or North County wine country towns. Karlie provides hyper-local insights so you can make the most informed decision.
Get Local InsightsOctober 2025
Not all agents are equal. When interviewing agents, ask about their experience in SLO County, their marketing strategy, negotiation track record, and how they handle inspection disputes.
Meet KarlieSeptember 2025
Buyers today are more selective and inspection disputes are one of the top reasons deals fall through. Understanding when to offer concessions, credits, or rate buydowns can be the difference between a closed deal and a cancelled contract. Flexibility is key.
Talk to KarlieAugust 2025
For long-time owners and retirees, selling a home raises important questions about Prop 13, capital gains exclusions, and relocation costs. Karlie can walk you through the selling process, and she recommends talking with a tax professional or attorney about those questions before you make a move.
Talk to KarlieFree Resources
Whether you're buying or selling on the Central Coast, these free guides walk you through every step. Enter your details and your guide will download instantly.
For Buyers
Your step-by-step roadmap to buying a home — perfect for first-time buyers, veterans using VA benefits, and investors.
For Sellers
Everything you need to know to sell your home for top dollar — pricing, prep, costs, marketing, and negotiation.
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Luxton Real Estate
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The Information contained in this website is for general information purposes only. The Information is provided by Karlie Montgomery and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. Karlie Montgomery is committed to providing an accessible website. If you have difficulty accessing content, please contact us at 805.391.0241.