2395 Delaware Ave #126 · Santa Cruz, CA 95060

$250,000

3 bd · 2.0 ba · 1,440 sqft · Manufactured · 96 Days on market

Built 1972 Est $177k · 41% over

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Why this score? — see what drove the C+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +5.0/10.0
• Livability +3.8/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Completely remodeled home from top to bottom! 3 bedrooms, 2 full baths, and a great floor plan! Great separation between bedrooms, perfect for a guest! One bedroom offers a slider for a separate entrance. The living/family room area are spacious and open to the formal dining area. So much living space to enjoy! This home has been thoughtfully remodeled that include a new roof, windows, carpet, laminate flooring, sheetrock walls, baseboards, a shiplap wall, kitchen cabinets, appliances, support piers, furnace, water heater, just like a brand new home but without property taxes! You pay only a low annual State registration.The white kitchen cabinets and new appliances is a great space to whip up a meal,theres even a pantry. The laundry room area is conveniently near by. The sunny back yard offers area for planting, enjoying a meal, or reading a book.There are 2 sheds that are included in the sale. Low space rent make this home even more attractive. Grab your towel, book, and sunscreen and walk around the corner to see the beautiful blue Pacific ocean! Stick your toes in the sand and relax! The Clubhouse offers an area to entertain, have parties, and you can also use the kitchen.The year round heated swimming pool, jacuzzi, work out facility and more are for your enjoyment.Come see!

Key facts

• Separate entrance
• New carpet
• New roof

Tags

• REMODELED HOME
• SEPARATE ENTRANCE
• NEW ROOF
• NEW WINDOWS
• NEW CARPET
• NEW LAMINATE FLOORING

Property features AI

Finance

• Other: Board approval and HOA rental restrictions apply; Pets: cats and dogs permitted
• Financial info: Tax type: In Lieu of Tax (ILT)
• HOA & community: Community pool; Club house; Gym / exercise facility; Sauna / spa / hot tub; Barbecue area; Cabana; Car wash area; Common utility room; Community security gate; Garden / greenbelt / trails; Organized activities; RV / boat storage

Exterior

• Parking: Carport with tandem parking (2 spaces); Assigned space #126
• Utilities: Public water; Sewer connected; Individual electric meters; Individual gas meters; Natural gas; Public utilities
• Home design: Single-story home
• Construction: Living area approximately 1,440
• Exterior features: Elastomeric roof; Property on leased land

Interior

• Kitchen: Gas cooktop; Dishwasher; Exhaust fan; Garbage disposal; Refrigerator
• Bedrooms: 3 bedrooms (one on the ground floor)
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms with double sinks and shower/tub
• Heating & cooling: Central forced air heating
• Interior features: Separate family room; Dining area; Hookups-only laundry
• Laundry & utility: Laundry hookups only

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $250k.

Deal economics

• At list price, monthly cash flow is $2k ($30k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($5k rent vs $250k).
• Recommended offer: $228k (9.0% below list) — sets the bar for market timing.
• Cap rate 18.2% vs local median 1.8% in Santa Cruz — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 75/100 on livability (#119 in CA, #4,226 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, employment A+; Watch: crime F, cost of living F.
• Market conditions: Rents rising (+2.7%/yr); 98 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 224 units permitted in Santa Cruz County in 2024 (25 in 5+ unit buildings).
• At $5,327/mo this rent would consume 59% of the median local household income ($109k/yr) (locally 2932% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Santa Cruz County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 2.7% rent growth), your $70k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 96 days — a 9% lower offer ($228k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 28y ago; this cycle's ask has dropped $75k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $30k; list at $250k implies a 733% gain — meaningful room to come down on a strong offer.

Recommended offer $227,500 (9.0% below list)

Questions for the listing agent

1. It's been on market 96 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1972 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 2.13% ✓
• Cap rate: 18.20%
• Cash-on-cash: 42.53%
• DSCR: 2.89
• GRM: 3.9

CMA / ARV

• ARV (on-the-fly): $177,120
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2395 Delaware #59	0.00mi	2/2.0 (-1)	1,440 (0%)	2mo	$10,000	$7	94
2395 Delaware Ave #39	0.00mi	2/2.0 (-1)	1,440 (0%)	11mo	$85,000	$59	86
2395 Delaware Ave #77	0.00mi	2/2.0 (-1)	1,536 (+7%)	2mo	$25,000	$16	82
2395 Delaware Ave #92	0.00mi	2/2.0 (-1)	1,514 (+5%)	5mo	$265,000	$175	82
2395 Delaware Ave #154	0.11mi	2/2.0 (-1)	1,440 (0%)	12mo	$40,000	$28	80
2395 Delaware Ave #161	0.00mi	2/2.0 (-1)	1,500 (+4%)	14mo	$35,000	$23	76
2395 Delaware Ave #61	0.00mi	2/2.0 (-1)	1,392 (-3%)	17mo	$260,000	$187	75
2395 Delaware Ave #193	0.00mi	2/2.0 (-1)	1,382 (-4%)	20mo	$205,000	$148	72
2395 Delaware Ave #149	0.00mi	2/2.0 (-1)	1,240 (-14%)	1mo	$62,000	$50	71
2395 Delaware #108 Ave #108	0.02mi	2/2.0 (-1)	1,344 (-7%)	19mo	$165,000	$123	67
2395 Delaware Ave #31	0.11mi	3/2.0	1,630 (+13%)	9mo	$305,000	$187	66
2395 Delaware Ave #186	0.00mi	3/3.0	1,637 (+14%)	16mo	$347,888	$213	60

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 2.74% rent growth · sell at horizon

5-year hold

• IRR: 39.0%
• Equity multiple: 2.66×
• Total profit: $116,182
• Equity at exit: $37,276

10-year hold

• IRR: 45.3%
• Equity multiple: 5.28×
• Total profit: $299,274
• Equity at exit: $21,615

Cash invested: $70,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 18 Strongly Tenant-Friendly
• State California: 18 Strongly Tenant-Friendly · D+13
• County: — inherits STATE
• City: — inherits STATE

AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

Methodology + full state rankings →

ZIP-level market 95060

• Rents YoY: 2.7%
• Active inventory: 98
• Price-to-rent: 3.9×

Monthly cashflow live

• Estimated rent: $5,327 medium
• Mortgage (P&I): −$1,311
• Tax est. 1.5%: −$312 /mo · $3,750/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,119
• Net cashflow: $2,481

Break-even live

Break-even rent $2,187

Max offer price $250,000

Occupancy floor 48%

Sensitivity live

Price	-10% $2,654	-5% $2,567	+0% $2,481	+5% $2,394	+10% $2,308
Rent	-10% $2,060	-5% $2,270	+0% $2,481	+5% $2,691	+10% $2,902
Rate	-1.0pp $2,607	-0.5pp $2,544	base $2,481	+0.5pp $2,416	+1.0pp $2,350

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
110 Western Ct Unit NA Santa Cruz, CA	4.0	2.0	1800	$8,250	$4.58	22d	1	1.15mi

Listing history 32 events

1. 2026-06-21
   days on market $250,000 Active 96 DOM
2. 2026-06-18
   days on market $250,000 Active 93 DOM
3. 2026-06-17
   days on market $250,000 Active 92 DOM
4. 2026-06-16
   days on market $250,000 Active 91 DOM
5. 2026-06-15
   days on market $250,000 Active 90 DOM
6. 2026-06-14
   days on market $250,000 Active 88 DOM
7. 2026-06-13
   pricedays on market $250,000 Active 87 DOM
8. 2026-06-10
   days on market $299,000 Active 85 DOM
9. 2026-06-09
   days on market $299,000 Active 84 DOM
10. 2026-06-08
    days on market $299,000 Active 83 DOM
11. 2026-06-07
    days on market $299,000 Active 82 DOM
12. 2026-06-02
    days on market $299,000 Active 77 DOM
13. 2026-06-01
    days on market $299,000 Active 76 DOM
14. 2026-05-31
    days on market $299,000 Active 75 DOM
15. 2026-05-30
    days on market $299,000 Active 74 DOM
16. 2026-05-13
    price $299,000 1300-char remark

    Show marketing remark (1300 chars)

    Completely remodeled home from top to bottom! 3 bedrooms, 2 full baths, and a great floor plan! Great separation between bedrooms, perfect for a guest! One bedroom offers a slider for a separate entrance. The living/family room area are spacious and open to the formal dining area. So much living space to enjoy! This home has been thoughtfully remodeled that include a new roof, windows, carpet, laminate flooring, sheetrock walls, baseboards, a shiplap wall, kitchen cabinets, appliances, support piers, furnace, water heater, just like a brand new home but without property taxes! You pay only a low annual State registration.The white kitchen cabinets and new appliances is a great space to whip up a meal,theres even a pantry. The laundry room area is conveniently near by. The sunny back yard offers area for planting, enjoying a meal, or reading a book.There are 2 sheds that are included in the sale. Low space rent make this home even more attractive. Grab your towel, book, and sunscreen and walk around the corner to see the beautiful blue Pacific ocean! Stick your toes in the sand and relax! The Clubhouse offers an area to entertain, have parties, and you can also use the kitchen.The year round heated swimming pool, jacuzzi, work out facility and more are for your enjoyment.Come see!

17. 2026-05-13
    price $299,000 1300-char remark

    Show marketing remark (1300 chars)

    Completely remodeled home from top to bottom! 3 bedrooms, 2 full baths, and a great floor plan! Great separation between bedrooms, perfect for a guest! One bedroom offers a slider for a separate entrance. The living/family room area are spacious and open to the formal dining area. So much living space to enjoy! This home has been thoughtfully remodeled that include a new roof, windows, carpet, laminate flooring, sheetrock walls, baseboards, a shiplap wall, kitchen cabinets, appliances, support piers, furnace, water heater, just like a brand new home but without property taxes! You pay only a low annual State registration.The white kitchen cabinets and new appliances is a great space to whip up a meal,theres even a pantry. The laundry room area is conveniently near by. The sunny back yard offers area for planting, enjoying a meal, or reading a book.There are 2 sheds that are included in the sale. Low space rent make this home even more attractive. Grab your towel, book, and sunscreen and walk around the corner to see the beautiful blue Pacific ocean! Stick your toes in the sand and relax! The Clubhouse offers an area to entertain, have parties, and you can also use the kitchen.The year round heated swimming pool, jacuzzi, work out facility and more are for your enjoyment.Come see!

18. 2026-03-17
    listed $325,000 Active 1300-char remark

    Show marketing remark (1300 chars)

    Completely remodeled home from top to bottom! 3 bedrooms, 2 full baths, and a great floor plan! Great separation between bedrooms, perfect for a guest! One bedroom offers a slider for a separate entrance. The living/family room area are spacious and open to the formal dining area. So much living space to enjoy! This home has been thoughtfully remodeled that include a new roof, windows, carpet, laminate flooring, sheetrock walls, baseboards, a shiplap wall, kitchen cabinets, appliances, support piers, furnace, water heater, just like a brand new home but without property taxes! You pay only a low annual State registration.The white kitchen cabinets and new appliances is a great space to whip up a meal,theres even a pantry. The laundry room area is conveniently near by. The sunny back yard offers area for planting, enjoying a meal, or reading a book.There are 2 sheds that are included in the sale. Low space rent make this home even more attractive. Grab your towel, book, and sunscreen and walk around the corner to see the beautiful blue Pacific ocean! Stick your toes in the sand and relax! The Clubhouse offers an area to entertain, have parties, and you can also use the kitchen.The year round heated swimming pool, jacuzzi, work out facility and more are for your enjoyment.Come see!

19. 2026-03-17
    listed $325,000 Active 1300-char remark

    Show marketing remark (1300 chars)

    Completely remodeled home from top to bottom! 3 bedrooms, 2 full baths, and a great floor plan! Great separation between bedrooms, perfect for a guest! One bedroom offers a slider for a separate entrance. The living/family room area are spacious and open to the formal dining area. So much living space to enjoy! This home has been thoughtfully remodeled that include a new roof, windows, carpet, laminate flooring, sheetrock walls, baseboards, a shiplap wall, kitchen cabinets, appliances, support piers, furnace, water heater, just like a brand new home but without property taxes! You pay only a low annual State registration.The white kitchen cabinets and new appliances is a great space to whip up a meal,theres even a pantry. The laundry room area is conveniently near by. The sunny back yard offers area for planting, enjoying a meal, or reading a book.There are 2 sheds that are included in the sale. Low space rent make this home even more attractive. Grab your towel, book, and sunscreen and walk around the corner to see the beautiful blue Pacific ocean! Stick your toes in the sand and relax! The Clubhouse offers an area to entertain, have parties, and you can also use the kitchen.The year round heated swimming pool, jacuzzi, work out facility and more are for your enjoyment.Come see!

20. 2025-10-15
    soldstatus $30,000 Closed 1244-char remark

    Show marketing remark (1244 chars)

    New LOWER price!! Space rent only $3008 month!! Live by the beach, hear the waves, smell the ocean air from this super affordable home! This home is a 3 bedroom, 2 bath home with a generous amount of square feet of living space, with low rent. This home offers plenty of square footage, and a great floor plan. One bedroom is at the back of the home, while the other 2 bedrooms are at the front, great separation for guests when they stay. The laundry is conveniently located in the kitchen area, with a nearby pantry closet for storage. The living room offers a built in for your nice pieces, an area for formal dining, so many possibilities. At this price, you can put your touches on this home, and make it yours! Your steps away from the ocean/beach where you can tuck your toes in the sand! The Clubhouse area that includes a year round heated swimming pool, jacuzzi, sauna, outdoor kitchen, workout facility, and large Clubhouse with well stocked kitchen for your use as an owner in the park. Behind electric gates sits this park that has 200 spaces, with meandering street, plush landscaping, trails for walking, and benches to sit and enjoy the ocean, and sunsets. This home is ready to have your personal touches, and make it your own!

21. 2025-10-15
    soldstatus $30,000 Sold 1244-char remark

    Show marketing remark (1244 chars)

    New LOWER price!! Space rent only $3008 month!! Live by the beach, hear the waves, smell the ocean air from this super affordable home! This home is a 3 bedroom, 2 bath home with a generous amount of square feet of living space, with low rent. This home offers plenty of square footage, and a great floor plan. One bedroom is at the back of the home, while the other 2 bedrooms are at the front, great separation for guests when they stay. The laundry is conveniently located in the kitchen area, with a nearby pantry closet for storage. The living room offers a built in for your nice pieces, an area for formal dining, so many possibilities. At this price, you can put your touches on this home, and make it yours! Your steps away from the ocean/beach where you can tuck your toes in the sand! The Clubhouse area that includes a year round heated swimming pool, jacuzzi, sauna, outdoor kitchen, workout facility, and large Clubhouse with well stocked kitchen for your use as an owner in the park. Behind electric gates sits this park that has 200 spaces, with meandering street, plush landscaping, trails for walking, and benches to sit and enjoy the ocean, and sunsets. This home is ready to have your personal touches, and make it your own!

22. 2025-10-01
    status Pending 1244-char remark

    Show marketing remark (1244 chars)

    New LOWER price!! Space rent only $3008 month!! Live by the beach, hear the waves, smell the ocean air from this super affordable home! This home is a 3 bedroom, 2 bath home with a generous amount of square feet of living space, with low rent. This home offers plenty of square footage, and a great floor plan. One bedroom is at the back of the home, while the other 2 bedrooms are at the front, great separation for guests when they stay. The laundry is conveniently located in the kitchen area, with a nearby pantry closet for storage. The living room offers a built in for your nice pieces, an area for formal dining, so many possibilities. At this price, you can put your touches on this home, and make it yours! Your steps away from the ocean/beach where you can tuck your toes in the sand! The Clubhouse area that includes a year round heated swimming pool, jacuzzi, sauna, outdoor kitchen, workout facility, and large Clubhouse with well stocked kitchen for your use as an owner in the park. Behind electric gates sits this park that has 200 spaces, with meandering street, plush landscaping, trails for walking, and benches to sit and enjoy the ocean, and sunsets. This home is ready to have your personal touches, and make it your own!

23. 2025-10-01
    historical Contingent 1244-char remark

    Show marketing remark (1244 chars)

    New LOWER price!! Space rent only $3008 month!! Live by the beach, hear the waves, smell the ocean air from this super affordable home! This home is a 3 bedroom, 2 bath home with a generous amount of square feet of living space, with low rent. This home offers plenty of square footage, and a great floor plan. One bedroom is at the back of the home, while the other 2 bedrooms are at the front, great separation for guests when they stay. The laundry is conveniently located in the kitchen area, with a nearby pantry closet for storage. The living room offers a built in for your nice pieces, an area for formal dining, so many possibilities. At this price, you can put your touches on this home, and make it yours! Your steps away from the ocean/beach where you can tuck your toes in the sand! The Clubhouse area that includes a year round heated swimming pool, jacuzzi, sauna, outdoor kitchen, workout facility, and large Clubhouse with well stocked kitchen for your use as an owner in the park. Behind electric gates sits this park that has 200 spaces, with meandering street, plush landscaping, trails for walking, and benches to sit and enjoy the ocean, and sunsets. This home is ready to have your personal touches, and make it your own!

24. 2025-09-11
    price $49,000 1244-char remark

    Show marketing remark (1244 chars)

    New LOWER price!! Space rent only $3008 month!! Live by the beach, hear the waves, smell the ocean air from this super affordable home! This home is a 3 bedroom, 2 bath home with a generous amount of square feet of living space, with low rent. This home offers plenty of square footage, and a great floor plan. One bedroom is at the back of the home, while the other 2 bedrooms are at the front, great separation for guests when they stay. The laundry is conveniently located in the kitchen area, with a nearby pantry closet for storage. The living room offers a built in for your nice pieces, an area for formal dining, so many possibilities. At this price, you can put your touches on this home, and make it yours! Your steps away from the ocean/beach where you can tuck your toes in the sand! The Clubhouse area that includes a year round heated swimming pool, jacuzzi, sauna, outdoor kitchen, workout facility, and large Clubhouse with well stocked kitchen for your use as an owner in the park. Behind electric gates sits this park that has 200 spaces, with meandering street, plush landscaping, trails for walking, and benches to sit and enjoy the ocean, and sunsets. This home is ready to have your personal touches, and make it your own!

25. 2025-09-11
    price $49,000 1244-char remark

    Show marketing remark (1244 chars)

    New LOWER price!! Space rent only $3008 month!! Live by the beach, hear the waves, smell the ocean air from this super affordable home! This home is a 3 bedroom, 2 bath home with a generous amount of square feet of living space, with low rent. This home offers plenty of square footage, and a great floor plan. One bedroom is at the back of the home, while the other 2 bedrooms are at the front, great separation for guests when they stay. The laundry is conveniently located in the kitchen area, with a nearby pantry closet for storage. The living room offers a built in for your nice pieces, an area for formal dining, so many possibilities. At this price, you can put your touches on this home, and make it yours! Your steps away from the ocean/beach where you can tuck your toes in the sand! The Clubhouse area that includes a year round heated swimming pool, jacuzzi, sauna, outdoor kitchen, workout facility, and large Clubhouse with well stocked kitchen for your use as an owner in the park. Behind electric gates sits this park that has 200 spaces, with meandering street, plush landscaping, trails for walking, and benches to sit and enjoy the ocean, and sunsets. This home is ready to have your personal touches, and make it your own!

26. 2025-07-19
    price $59,000 1244-char remark

    Show marketing remark (1244 chars)

    New LOWER price!! Space rent only $3008 month!! Live by the beach, hear the waves, smell the ocean air from this super affordable home! This home is a 3 bedroom, 2 bath home with a generous amount of square feet of living space, with low rent. This home offers plenty of square footage, and a great floor plan. One bedroom is at the back of the home, while the other 2 bedrooms are at the front, great separation for guests when they stay. The laundry is conveniently located in the kitchen area, with a nearby pantry closet for storage. The living room offers a built in for your nice pieces, an area for formal dining, so many possibilities. At this price, you can put your touches on this home, and make it yours! Your steps away from the ocean/beach where you can tuck your toes in the sand! The Clubhouse area that includes a year round heated swimming pool, jacuzzi, sauna, outdoor kitchen, workout facility, and large Clubhouse with well stocked kitchen for your use as an owner in the park. Behind electric gates sits this park that has 200 spaces, with meandering street, plush landscaping, trails for walking, and benches to sit and enjoy the ocean, and sunsets. This home is ready to have your personal touches, and make it your own!

27. 2025-07-19
    price $59,000 1244-char remark

    Show marketing remark (1244 chars)

    New LOWER price!! Space rent only $3008 month!! Live by the beach, hear the waves, smell the ocean air from this super affordable home! This home is a 3 bedroom, 2 bath home with a generous amount of square feet of living space, with low rent. This home offers plenty of square footage, and a great floor plan. One bedroom is at the back of the home, while the other 2 bedrooms are at the front, great separation for guests when they stay. The laundry is conveniently located in the kitchen area, with a nearby pantry closet for storage. The living room offers a built in for your nice pieces, an area for formal dining, so many possibilities. At this price, you can put your touches on this home, and make it yours! Your steps away from the ocean/beach where you can tuck your toes in the sand! The Clubhouse area that includes a year round heated swimming pool, jacuzzi, sauna, outdoor kitchen, workout facility, and large Clubhouse with well stocked kitchen for your use as an owner in the park. Behind electric gates sits this park that has 200 spaces, with meandering street, plush landscaping, trails for walking, and benches to sit and enjoy the ocean, and sunsets. This home is ready to have your personal touches, and make it your own!

28. 2025-06-09
    listed $95,000 Active 1244-char remark

    Show marketing remark (1244 chars)

    New LOWER price!! Space rent only $3008 month!! Live by the beach, hear the waves, smell the ocean air from this super affordable home! This home is a 3 bedroom, 2 bath home with a generous amount of square feet of living space, with low rent. This home offers plenty of square footage, and a great floor plan. One bedroom is at the back of the home, while the other 2 bedrooms are at the front, great separation for guests when they stay. The laundry is conveniently located in the kitchen area, with a nearby pantry closet for storage. The living room offers a built in for your nice pieces, an area for formal dining, so many possibilities. At this price, you can put your touches on this home, and make it yours! Your steps away from the ocean/beach where you can tuck your toes in the sand! The Clubhouse area that includes a year round heated swimming pool, jacuzzi, sauna, outdoor kitchen, workout facility, and large Clubhouse with well stocked kitchen for your use as an owner in the park. Behind electric gates sits this park that has 200 spaces, with meandering street, plush landscaping, trails for walking, and benches to sit and enjoy the ocean, and sunsets. This home is ready to have your personal touches, and make it your own!

29. 2025-06-09
    listed $95,000 Active 1244-char remark

    Show marketing remark (1244 chars)

    New LOWER price!! Space rent only $3008 month!! Live by the beach, hear the waves, smell the ocean air from this super affordable home! This home is a 3 bedroom, 2 bath home with a generous amount of square feet of living space, with low rent. This home offers plenty of square footage, and a great floor plan. One bedroom is at the back of the home, while the other 2 bedrooms are at the front, great separation for guests when they stay. The laundry is conveniently located in the kitchen area, with a nearby pantry closet for storage. The living room offers a built in for your nice pieces, an area for formal dining, so many possibilities. At this price, you can put your touches on this home, and make it yours! Your steps away from the ocean/beach where you can tuck your toes in the sand! The Clubhouse area that includes a year round heated swimming pool, jacuzzi, sauna, outdoor kitchen, workout facility, and large Clubhouse with well stocked kitchen for your use as an owner in the park. Behind electric gates sits this park that has 200 spaces, with meandering street, plush landscaping, trails for walking, and benches to sit and enjoy the ocean, and sunsets. This home is ready to have your personal touches, and make it your own!

30. 1998-03-04
    historical
31. 1998-01-15
    soldstatus $110,000
32. 1998-01-06
    listed $110,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥80°F today · 14 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 8/10 Severe 15 unhealthy d/yr today · 15 by 30 yrs out

Taxation est. · year 1

• Rental income: $63,926
• − Mortgage interest: −$14,004
• − Property taxes: −$3,750
• − Insurance: −$1,250
• − Repairs & maintenance: −$5,114
• − Management: −$5,114
• − Depreciation: −$7,273
• Taxable income: $27,421
• Est. tax owed @ 24.0%: −$6,581
• After-tax cash flow: $23,188/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

No district data.

Livability — Santa Cruz

• Score: 75/100
• State rank: #119
• US rank: #4226

Category grades

Amenities A+ Commute A+ Cost of living F Crime F Employment A+ Housing C+ Health & safety A+ User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Santa Cruz, CA
• County: Santa Cruz County · 225,113 people
• City population: 81,875
• Metro: Santa Cruz-Watsonville, CA
• Population (ZIP): 46,268
• Household income: $108,591
• Rent vs Own: 48.5% rent · 51.5% own
• Severe rent burden: 2932.0

Population outlook (Santa Cruz County) Hauer SSP2

• Today (2025): 299,046 people
• By 2030: 311,246 · +4.1%
• By 2040: 332,813 · +11.3%
• By 2050: 352,797 · +18.0%
• By 2075: 406,837 · +36.0%
• By 2100: 435,763 · +45.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (65%)
• Race & ethnicity: White 65% Hispanic / Latino 22% Two or more races 12% Asian 6% Black 1% Native American 1%
• Hispanic origin (detail): Mexican 16%
• Common ancestry: Italian 4% Romanian 3% Slovak 3%
• Foreign-born: 13% · Canada, China, South Korea
• Languages at home: 76% English-only · Spanish 15% Other Indo-European 2% Other Asian/Pacific 1%

Political lean MEDSL · Santa Cruz

• 2024 margin: Solid D (+54.4) · D 75.3% · R 20.9% · Other 3.9%
• 2008→2024 swing: -3.2pp toward R · 2008: 57.7pp · 2024: 54.4pp
• All cycles: 2024: D+54.4 2020: D+60.3 2016: D+57.3 2012: D+54.1 2008: D+57.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1217.70%
• Current HPI: 300.9464
• Rent YoY: ▲ 2.74%
• Metro: Santa Cruz-Watsonville, CA
• State GDP YoY: ▲ 3.21%
• F500 in state: 116

Industry mix (Fortune 500 HQ in CA)

Industry	F500 HQs	Revenue
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Price history

+171.8% since first listed

17 events — show timeline

• 2026-05-13 Price Changed $299,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2026-05-13 Price Changed $299,000 MLSListings
• 2026-03-17 Listed $325,000 MLSListings
• 2026-03-17 Listed $325,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-10-15 Sold (MLS) $30,000 MLSListings
• 2025-10-15 Sold (MLS) $30,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-10-01 Pending — bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-10-01 Contingent — MLSListings
• 2025-09-11 Price Changed $49,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-09-11 Price Changed $49,000 MLSListings
• 2025-07-19 Price Changed $59,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
• 2025-07-19 Price Changed $59,000 MLSListings
• 2025-06-09 Listed $95,000 MLSListings
• 2025-06-09 Listed $95,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
• 1998-03-04 Listing Removed — MLSListings
• 1998-01-15 Sold (MLS) $110,000 MLSListings
• 1998-01-06 Listed $110,000 MLSListings