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1111 Ocean St Unit 204, Santa Cruz, CA, 95060

1beds
1baths
624sqft
$565,000
$905price/sqft
$3,937/moest. monthly cost
$157,480/yrincome needed

About This Home

Is the coastal beach lifestyle calling you? Then check this one out! Modern, stylish, and filled with natural light, this sunny condo puts you just a bike ride from the beach and the energy of downtown Santa Cruz. The thoughtfully designed floor plan features one bedroom plus a dedicated office space which is perfect for working from home or creating a quiet retreat. Soaring ceilings, granite countertops, bamboo flooring, and an expanded kitchen storage cabinet with convenient full-length pull-out drawers add both style and function. The European-inspired bathroom features a heated towel rack for an extra touch of comfort. Additional highlights include energy-efficient dual mini-split heating and air conditioning with individual room controls, an on-demand water heater, and convenient interior laundry. The secure building offers gated assigned covered parking, elevator access, a dedicated bicycle storage room, and controlled entry from both sides of the building. Ideally located with easy access to Highways 1 and 17, UCSC, Downtown Santa Cruz, shopping, dining, and miles of bike paths, this is an easy place to embrace the very best of the Santa Cruz lifestylebeach days, bike rides, and downtown fun all close to home.

Getting Around

87
WalkingVery Walkable
49
TransitSome Transit
99
BikeBiker's Paradise

Schools

Construction

Condition

  • Year built: 2014

Materials

  • Foundation: Concrete Perimeter and Slab
  • Roof: Flat

Type & Style

  • Home type: Condo
  • Architectural style: Modern/HighTech
  • Property subType: Condominium,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Fan,Disposal,Microwave,Electric Oven,Self Cleaning Oven,Gas Oven/Range,Refrigerator,Washer/Dryer
  • Laundry features: Inside

Bathroom

  • Features: StallShower, Stone

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: DiningAreainLivingRoom

Family Room

  • Features: NoFamilyRoom

Features

  • High Ceilings
  • Flooring: Other

Heating & Cooling

  • Heating features: 2 plus Zones
  • Cooling features: Ceiling Fan(s),Zoned

Interior Area

  • Total structure area: 624
  • Total interior livable area: 624 sqft

Kitchen

  • Features: Countertop_Granite, ExhaustFan

Property

Accessibility

  • Accessibility features: Elevator/Lift,Accessible Doors

Details

  • Parcel number: 00870184
  • Zoning: Community Commercial. (C
  • Special condition: Standard

Features

  • Stories: 3
  • Patio & porch: Balcony/Patio
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 43.56 sqft
  • Features: Mostly Level

Parking

  • Total spaces: 1
  • Parking features: Covered,Enclosed,Garage Door Opener
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingRelatively High

How This Home’s Risks Compare

Earthquake
Inland Flooding

FEMA Declared Disasters in Santa Cruz County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,856$34,272
Home Insurance *$89$1,068
Property Taxes $594$7,128
Electricity $398$4,786
Total$3,937$47,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,982/yr
40% on housing$118,110/yr
45% on housing$104,986/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$905This listing

vs Other Active Listings

Avg $/sqft

ZIP 95060$683
Santa Cruz County$621

vs Homes Sold Last Month

Median $/sqft

ZIP 95060$895
Santa Cruz County$663

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-30Listed for sale$565,000
2019-07-29Sold$399,000
2014-06-27Sold$279,000

For Sale by Agent

AgentJo Ellen Smith
BrokerageBailey Properties

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