123 Merced Ave, Santa Cruz, CA, 95060
About This Home
Discover the endless possibilities of this Lower Westside gem, located just two houses away from the ocean! This charming 2-bedroom, 2-bath single-story home offers the perfect canvas to build or reimagine your dream home, featuring ocean views from the living room and private back yard. Situated in one of Santa Cruz's most coveted neighborhoods, enjoy a prime location just moments from Westcliff Drive, the bike path, and amazing views of the Monterey Bay. Embrace the convenience of being moments away from the popular Swift Street Courtyard, offering easy access to local hotspots like Cat and Cloud, Humble Sea, New Leaf Market, Bantam, and an array of wineries and dining attractions. With mature landscaping in the front and convenient alley access in the back, this home combines classic appeal with incredible future potential. Don't miss this opportunity - A MUST SEE!!
Getting Around
Somewhat Walkable
Minimal Transit
Very BikeableSchools
Construction
Condition
- Property condition: Fixer
- Year built: 1962
Materials
- Foundation: Concrete Perimeter
- Roof: Composition, Shingle
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Electric Cooktop,Exhaust Fan,Built In Oven
Bathroom
- Features: PrimaryStallShowers, ShowerandTub
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: NoFormalDiningRoom
Family Room
- Features: KitchenFamilyRoomCombo
Features
- Flooring: Hardwood
- Number of fireplaces: 1
- Fireplace features: Family Room
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Ceiling Fan(s)
Interior Area
- Total structure area: 1,347
- Total interior livable area: 1,347 sqft
Kitchen
- Features: ExhaustFan
Property
Details
- Parcel number: 00327408000
- Zoning: R-1
- Special condition: Standard
Features
- Has view: Yes
- View description: Ocean
- Has water view: Yes
- Water view: Ocean
Lot
- Lot size: 4,792 sqft
Parking
- Total spaces: 2
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 2
- 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
- Drought
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters in Santa Cruz County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $10,108 | $121,296 |
| Home Insurance * | $316 | $3,792 |
| Property Taxes | $2,870 | $34,440 |
| Electricity | $398 | $4,786 |
| Total | $13,692 | $164,304 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-05 | Price change | $1,795,000 |
| 2026-07-15 | Listed for sale | $1,999,000 |
View on Zillow