300 Columbia St, Santa Cruz, CA, 95060
About This Home
Rare coastal investment opportunity on Santa Cruz's highly desirable Lower Westside, just one block from the ocean and iconic West Cliff Drive. Steps from Lighthouse Field State Beach and the popular Steamer Lane Supply restaurant, this prime location consistently attracts strong rental demand driven by lifestyle, walkability, and proximity to Monterey Bay. One of the largest duplexes this close to the ocean, the property features a 3BD/2BA upper unit and a 2BD/2BA lower unit with a bonus room that functions as a third bedroom, maximizing rental flexibility and income potential. Each unit includes a private 2-car garage, a rare and valuable amenity for tenants near the coast. The upper units private yard with jetted hot tub adds further appeal for premium rents. Flexible income strategies: rent both units for strong cash flow, short-term (buyer to verify) or long-term rental, or occupy one unit while generating income from the other. Tenants will enjoy easy access to downtown Santa Cruz, the Santa Cruz Wharf, and the Santa Cruz Beach Boardwalk, as well as immediate connectivity to coastal and mountain biking trails right from your front door. No need to load up the car. A rare combination of size, location, and versatility, an exceptional addition to any coastal portfolio.
Getting Around
Car-Dependent
Some Transit
Very BikeableSchools
Construction
Condition
- Year built: 1979
Materials
- Foundation: Concrete Perimeter,Pillar/Post/Pier
- Roof: Composition, Shingle
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Exhaust Fan,Disposal,Range Hood,Oven/Range,Refrigerator,Washer/Dryer
Bathroom
- Features: PrimaryStallShowers, ShowerandTub
Bedroom
- Features: PrimarySuiteRetreat
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
Dining Room
- Features: DiningArea
Family Room
- Features: SeparateFamilyRoom
Features
- High Ceilings,Vaulted Ceiling(s)
- Door features: None
- Flooring: Laminate
- Number of fireplaces: 1
- Fireplace features: Gas Log,Living Room
Heating & Cooling
- Heating features: Electric
- Cooling features: None
Interior Area
- Total structure area: 3,520
- Total interior livable area: 3,520 sqft
Kitchen
- Features: Countertop_Ceramic, Countertop_Tile, ExhaustFan
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 00426115000
- Zoning: Res
- Special condition: Standard
Features
- Patio & porch: Balcony/Patio,Deck
- Spa features: Other
- Fencing: Wood
Lot
- Lot size: 9,017 sqft
Parking
- Total spaces: 4
- Parking features: Attached,Off Street
- Has garage: Yes
- Attached garage spaces: 4
- Covered spaces: 4
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 | $15,928 | $191,136 |
| Home Insurance * | $497 | $5,964 |
| Property Taxes | $3,070 | $36,840 |
| Electricity | $754 | $9,057 |
| Total | $20,249 | $242,988 |
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 |
|---|---|---|
| 2026-05-05 | Listed for sale | $3,150,000 |
| 2018-07-06 | Sold | $1,835,000 |
View on Zillow