257 High St, Santa Cruz, CA, 95060
About This Home
Have you ever dreamed of owning a property where you can live in 1 unit while your tenants help pay your mortgage? This rare Westside Santa Cruz 4-plex offers that opportunity. What I love most about this property is the layout. Each of the 4 units offers a spacious 2BR/1BA floor plan of approx. 950 SF. The generous layouts make everyday living feel open, comfortable, and inviting something thats hard to find in many 4-plexes. Ideally located on the UCSC bus line, youll enjoy walking to Downtown Santa Cruz via the pedestrian bridge, with easy access to restaurants, coffee shops, shopping, entertainment, West Cliff Dr., the Santa Cruz Beach Boardwalk, and nearby beaches. The property is fully occupied and currently generates approx. $195,600 in annual gross income, including laundry income. Features include on-site laundry, separate gas meters, 2 carports, 4 additional off-street parking spaces, abundant street parking, and new water heaters (2025). Whether youre looking to reduce your housing costs, create a multigenerational living opportunity, or build long-term wealth, this is a rare chance to own a home that offers both an exceptional lifestyle and income potential.
Getting Around
Walker's Paradise
Some Transit
Biker's ParadiseSchools
Construction
Condition
- Year built: 1953
Materials
- Foundation: Concrete Perimeter
- Roof: Composition, Shingle
- Construction materials: Other
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Other,Gas Oven,Gas Oven/Range
- Laundry features: Coin Operated
Bathroom
- Features: ShowersoverTubs2plus
Bedrooms & Bathrooms
- Bedrooms: 8
- Bathrooms: 4
- Full bathrooms: 4
Dining Room
- Features: DiningArea
Family Room
- Features: NoFamilyRoom
Features
- Door features: Other
- Flooring: Hardwood,Laminate,Other,Tile,Vinyl Linoleum
Heating & Cooling
- Heating features: Gas
- Cooling features: None
Interior Area
- Total structure area: 3,978
- Total interior livable area: 3,978 sqft
Kitchen
- Features: Other
Property
Accessibility
- Accessibility features: Other
Details
- Parcel number: 00617134000
- Zoning: Multi Residential
- Special condition: Standard
Features
- Stories: 2
Lot
- Lot size: 5,619 sqft
Parking
- Total spaces: 4
- Parking features: Assigned,Off Site,Parking Area,Tandem
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 4
- Carport: Yes
- Carport 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 | $12,540 | $150,480 |
| Home Insurance * | $392 | $4,704 |
| Property Taxes | $2,431 | $29,172 |
| Electricity | $853 | $10,236 |
| Total | $16,216 | $194,592 |
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 |
|---|---|---|
| 2026-07-21 | Listed for sale | $2,480,000 |
| 2022-09-12 | Sold | $1,990,000 |
| 2022-08-11 | Contingent | $1,900,000 |
| 2022-08-03 | Listed for sale | $1,900,000 |
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