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212 3rd Ave, Santa Cruz, CA, 95062

2beds
2baths
1,040sqft
$2,250,000
$2,163price/sqft
$14,233/moest. monthly cost
$569,320/yrincome needed

About This Home

5-minute walk to Seabright Beach...Located in the lovely Lower Seabright neighborhood in Santa Cruz, this 1,040 sq. ft. home sits on a 3,746 sq. ft. lot and features 2 large bedrooms and 1& 1/2 bathrooms. I block to the yacht harbor with access to a free water taxi to cross over! The efficient, compact kitchen has been updated with all-new custom cabinets, custom butcher-block counters, and a stainless-steel sink. Beautiful stove with a large oven, a modern stainless steel overhead fan with light, and a self-cleaning oven. A countertop microwave is included. The stainless steel refrigerator has an ice maker available, but it is not installed. Flooring throughout the home combines laminate and wood finishes. The living room features vaulted ceilings, exposed beams, and a gas-log fireplace insert. Additional features include forced-air heating, Multiple ceiling fans for cooling, and a laundry area with a washer and dryer, located in the utility room. The property includes a 2-car garage and falls within the Santa Cruz City Elementary School District. Property is also accessible from the alley entrances on Marine Parade or Atlantic Streets, where you will access the two-car garage (with work bench) and/or the back yard gate.

Getting Around

75
WalkingVery Walkable
29
TransitSome Transit
78
BikeVery Bikeable

Schools

5/10
Gault Elementary SchoolGrades K-50.8 mi
7/10
Shoreline Middle SchoolGrades 6-81.1 mi

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Concrete Perimeter and Slab
  • Roof: Shake, Shingle, TarGravel

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Self Cleaning Oven,Electric Oven/Range,Refrigerator,Washer/Dryer
  • Laundry features: Inside,In Utility Room

Bathroom

  • Features: PrimaryStallShowers, ShoweroverTub1

Bedroom

  • Features: PrimaryBedroomonGroundFloor, BedroomonGroundFloor2plus

Bedrooms & Bathrooms

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

Dining Room

  • Features: DiningAreainLivingRoom, EatinKitchen, NoFormalDiningRoom

Family Room

  • Features: NoFamilyRoom

Features

  • High Ceilings,Vaulted Ceiling(s),Open Beam Ceiling
  • Flooring: Laminate,Wood
  • Fireplace features: Gas Log,Insert

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 1,040
  • Total interior livable area: 1,040 sqft

Kitchen

  • Features: Hookups_IceMaker

Property

Accessibility

  • Accessibility features: Grip-Accessible Features,Customized Wheelchair Accessible

Details

  • Parcel number: 01025418000
  • Zoning: R1
  • Special condition: Standard

Features

  • Stories: 1
  • Exterior features: Back Yard,Fenced,Drought Tolerant Plants
  • Fencing: Wood

Lot

  • Lot size: 3,746 sqft
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Attached,Guest,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
    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 $11,377$136,524
Home Insurance *$234$2,808
Property Taxes $2,224$26,688
Electricity $398$4,786
Total$14,233$170,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$487,988/yr
40% on housing$426,990/yr
45% on housing$379,546/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

$2,163This listing

vs Other Active Listings

Avg $/sqft

ZIP 95062$800
Santa Cruz County$619

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)

Price History

DateEventPrice
2026-07-05Price change$2,250,000
2026-05-26Listed for sale$2,650,000
2007-11-08Sold$300,000

For Sale by Agent

AgentDe Layne A. Castello
BrokerageAlta Properties

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