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216 Cypress Ave, Santa Cruz, CA, 95062

2beds
2baths
1,300sqft
$1,350,000
$1,038price/sqft
$8,669/moest. monthly cost
$346,760/yrincome needed

About This Home

Amazing Seabright beach location Just yards from the beach with ocean view from the fenced-in front porch. The adorable cottage style duplex has one of the best locations in the Seabright beach neighborhood. You have the flexibility of renting in the desirable Santa Cruz rental market for one of the units and living in the other, or maximizing your cash flow by renting both units. The front unit has an updated kitchen, bathroom, and has fresh paint. Back unit was previously a STR with a quaint fenced yard garden and patio perfectly suited for barbeques and enjoying the beach climate. This unit also has an updated kitchen, flooring, remodeled bath, and has fresh paint, as well as a multi-purpose loft area that really expands the space. Street parking only. Cypress Avenue is a one way street so beach traffic is minimal. Photos from the back unit were previously used for the STR

Getting Around

80
WalkingVery Walkable
33
TransitSome Transit
88
BikeVery Bikeable

Schools

5/10
Gault Elementary SchoolGrades K-50.7 mi

Construction

Condition

  • Year built: 1923

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition

Type & Style

  • Home type: MultiFamily
  • Architectural style: Cottage
  • Property subType: Duplex,Residential Income

Interior

Appliances

  • Appliances included: Disposal,Built In Gas Oven/Range,Refrigerator
  • Laundry features: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Features

  • Door features: None
  • Flooring: Carpet,Tile,Vinyl Linoleum

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 1,300
  • Total interior livable area: 1,300 sqft

Kitchen

  • Features: Hookups_Gas

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 01023613000
  • Zoning: Res
  • Special condition: Standard

Features

  • Has view: Yes
  • View description: Ocean
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 1,830 sqft

Parking

  • Parking features: No Garage,On Street
  • Carport: Yes

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
    EarthquakeRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Coastal Flooding
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 $6,826$81,912
Home Insurance *$140$1,680
Property Taxes $1,305$15,660
Electricity $398$4,786
Total$8,669$104,028
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$297,222/yr
40% on housing$260,070/yr
45% on housing$231,173/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

$1,038This listing

vs Other Active Listings

Avg $/sqft

ZIP 95062$817
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95062$933
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)

No zestimate history available

Price History

DateEventPrice
2026-08-09Pending sale$1,350,000
2026-06-01Listed for sale$1,350,000
2025-09-08Listing removed$2,500
2025-08-15Listed for rent$2,500
2014-08-29Sold$850,000

For Sale by Agent

AgentGayle O'Neal
BrokerageeXp Realty of California Inc

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