317 Centennial St, Santa Cruz, CA, 95060
About This Home
Lower Westside 3-bedroom, 2-bath home offers a bright, open reverse floor plan with vaulted ceilings and skylights providing abundant natural light. Enjoy beautiful views of the Santa Cruz Mountains from the main living areas, creating a peaceful backdrop for everyday living. Set near Steamer Lane on a deep, nicely landscaped lot, the property features garden boxes, mature cherry, peach, apricot and Asian pear trees and a large garden shed, providing ample space for outdoor entertaining, gardening, or simply relaxing. A two-car garage offers plenty of storage for surfboards and bikes. The outdoor surf shower is ideal for rinsing off after a day at the beach. This well maintained home has all new flooring and has been painted inside and out. Front and back upstairs porches provide additional outdoor space with sunrise and sunset views. Ideally located just minutes from West Cliff Drive, Lighthouse Field State Park, beaches, world class surfing, hiking and mountain biking, this home combines a tranquil setting with easy access to shopping, dining and coastal recreation.
Getting Around
Somewhat Walkable
Some Transit
Biker's ParadiseSchools
Construction
Condition
- Year built: 1986
Materials
- Foundation: Concrete Perimeter
- Roof: Composition
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: DiningAreainLivingRoom
Family Room
- Features: NoFamilyRoom
Features
- Fireplace features: Living Room
Heating & Cooling
- Heating features: Central Forced Air Gas
- Cooling features: None
Interior Area
- Total structure area: 1,542
- Total interior livable area: 1,542 sqft
Property
Details
- Parcel number: 00425518000
- Zoning: SFR
- Special condition: Standard
Features
- Stories: 2
Lot
- Lot size: 3,964 sqft
Parking
- Total spaces: 2
- Parking features: Attached,Off Street
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- 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 | $8,570 | $102,840 |
| Home Insurance * | $267 | $3,204 |
| Property Taxes | $1,671 | $20,052 |
| Electricity | $398 | $4,786 |
| Total | $10,906 | $130,872 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Pending sale | $1,695,000 |
| 2026-08-05 | Contingent | $1,695,000 |
| 2026-07-30 | Listed for sale | $1,695,000 |
View on Zillow