120 Maple St, Santa Cruz, CA, 95060
About This Home
A perfect home for a 1031 exchange or college rental! This Historic Victorian Gem in Prime Downtown Santa Cruz has exceptional opportunities awaiting nestled in the heart of Santa Cruz. This 4 bedroom, 1 bathroom combines vintage character with an unbeatable downtown location, just minutes from the iconic Boardwalk and pristine beaches. Step inside to discover soaring ceilings that create an airy, expansive feel throughout this classic home. The inviting living space centers around a beautiful fireplace, perfect for cozy gatherings on cool coastal evenings. Abundant natural light highlights the home's period details and thoughtful layout. Outdoor living shines on both the welcoming front porch which is perfect for watching the world go by with your morning coffee and also has a generous back patio. The private rear outdoor retreat provides an ideal setting for afternoon barbecues or evening entertainment under the stars, offering a peaceful escape from the vibrant downtown energy just steps away. Positioned in the coveted CBD (Central Business District) zone, this property offers remarkable versatility for its next owner. Maintain it as a rental or convert it to your personal residence or explore the endless commercial possibilities the CBD zoning gives you.
Getting Around
Walker's Paradise
Good Transit
Biker's ParadiseSchools
Construction
Condition
- Year built: 1885
Materials
- Foundation: Concrete Perimeter
- Roof: Composition
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Features: DiningAreainLivingRoom
Family Room
- Features: SeparateFamilyRoom
Features
- Flooring: Carpet,Vinyl Linoleum
- Fireplace features: Wood Burning
Heating & Cooling
- Heating features: Fireplace(s),Wall Furnace
- Cooling features: None
Interior Area
- Total structure area: 1,312
- Total interior livable area: 1,312 sqft
Property
Details
- Parcel number: 00514316000
- Zoning: CBD
- Special condition: Standard
Lot
- Lot size: 3,615 sqft
Parking
- Parking features: On Street
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
- Tsunami
- Coastal 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 | $6,366 | $76,392 |
| Home Insurance * | $199 | $2,388 |
| Property Taxes | $1,291 | $15,492 |
| Electricity | $398 | $4,786 |
| Total | $8,254 | $99,048 |
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 |
|---|---|---|
| 2026-04-15 | Listed for sale | $1,259,000 |
| 2026-03-12 | Listing removed | $1,259,000 |
| 2026-02-27 | Listing removed | $5,000 |
| 2026-02-05 | Listed for rent | $5,000 |
| 2026-01-13 | Price change | $1,259,000 |
| 2025-12-23 | Listed for sale | $1,279,000 |
| 2021-01-18 | Listing removed | -- |
| 2021-01-05 | Price change | $4,200 |
| 2020-11-11 | Price change | $4,500 |
| 2020-09-02 | Listed for rent | $4,800 |
| 2015-05-21 | Listing removed | $4,300 |
| 2015-04-11 | Listed for rent | $4,300 |
| 2008-07-22 | Sold | $565,000 |
| 2005-07-15 | Sold | $710,000 |
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