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113 Washburn Ave, Santa Cruz, CA, 95060

2beds
2baths
1,028sqft
$1,099,000
$1,069price/sqft
$7,217/moest. monthly cost
$288,680/yrincome needed

About This Home

Tucked just around the corner from the bustling activity of Upper Ocean Street, this charming Craftsman welcomes you home with a refreshing burst of color to 1028 square feet of comfortable living space bedecked in bright tones and artful appointments. Enjoy the good life amidst over $60K of recent improvements and upgrades, with hardwood floors in all the main living areas providing a warm and inviting atmosphere, enhanced by a cozy fireplace. The kitchen is equipped with a farmhouse copper sink, Miele dishwasher and gas oven-range, perfect for those who love to cook, and a mud room with washer and dryer provides ideal transition to the back yard. There is a detached oversized garage suitable for a large vehicle with ample shop space and a special enclosed "catio" for the kitties, where someone seeking flexible living arrangements can explore converting the entire 320 SF building to an independent Accessory Dwelling Unit. The outdoor areas have been converted to a lush environment with multiple fruit trees and relaxing habitats where you can take a snooze in the hammock, a soak in the hot tub, or gather with friends and family in total privacy amidst mature landscaping behind high walls and fences that create a veritable sanctuary in the city.

Getting Around

87
WalkingVery Walkable
49
TransitSome Transit
99
BikeBiker's Paradise

Schools

8/10
4/10

Construction

Condition

  • Year built: 1921

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition, Shingle

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Gas Oven/Range,Washer/Dryer

Bathroom

  • Features: FullonGroundFloor, HalfonGroundFloor

Bedroom

  • Features: GroundFloorBedroom, BedroomonGroundFloor2plus

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Features: DiningArea

Family Room

  • Features: NoFamilyRoom

Features

  • Door features: None
  • Flooring: Other,Wood

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: None

Interior Area

  • Total structure area: 1,028
  • Total interior livable area: 1,028 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 00825113000
  • Zoning: R
  • Special condition: Standard

Features

  • Stories: 1
  • Exterior features: Fenced,Storage Shed Structure
  • Fencing: Mixed Height Type,Wood

Lot

  • Lot size: 4,922 sqft
  • Features: Level

Parking

  • Total spaces: 3
  • Parking features: Detached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingRelatively High

How This Home’s Risks Compare

Earthquake
Inland Flooding

FEMA Declared Disasters in Santa Cruz County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Tropical Storm
Winter Storm

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

MonthlyAnnual
Mortgage $5,557$66,684
Home Insurance *$173$2,076
Property Taxes $1,089$13,068
Electricity $398$4,786
Total$7,217$86,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$247,440/yr
40% on housing$216,510/yr
45% on housing$192,453/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

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.

Insurance Growth Rate5-year average: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,069This listing

vs Other Active Listings

Avg $/sqft

ZIP 95060$678
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95060$895
Santa Cruz County$663

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

DateEventPrice
2025-11-07Listed for sale$1,099,000
2022-05-04Sold$1,030,000
2016-02-29Sold$639,000
2016-02-18Pending sale$639,000
2015-10-29Listed for sale$639,000
2007-09-10Sold$501,000
2007-04-03Sold$630,000

For Sale by Agent

AgentDatta Khalsa
BrokerageMain Street Realtors

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