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12 Horseshoe Ct, Scotts Valley, CA, 95066

3beds
2baths
1,547sqft
$884,000
$571price/sqft
$6,042/moest. monthly cost
$241,680/yrincome needed

About This Home

Beautifully updated, move right in and enjoy all this home has to offer. This spacious townhome is tucked away on a quiet cul-de-sac in a sought-after community. Fresh interior paint, thoughtfully selected fixtures, quartz countertops, and more. Features high ceilings and abundant natural light create a warm, comfortable atmosphere throughout. The inviting main living area features an open-concept layout with a cozy fireplace, generous dining space, and a well-appointed kitchen designed for both everyday living and easy entertaining. The spacious primary suite offers a peaceful private retreat, while two additional bedrooms downstairs provide flexibility and privacy. Enjoy the mountain views and outdoor living on the private patio, along with the convenience of an attached one-car garage. Ideally located near top-rated schools, this home is just a short stroll to the neighborhood park and offers easy bike access to nearby shops, dining, and everyday conveniences.

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

7/10
7/10
8/10
Scotts Valley High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven/Range,Refrigerator
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: DiningAreainLivingRoom

Family Room

  • Features: SeparateFamilyRoom

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room

Heating & Cooling

  • Heating features: Central Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,547
  • Total interior livable area: 1,547 sqft

Property

Details

  • Parcel number: 02135119000
  • Zoning: PUD
  • Special condition: Standard

Features

  • Stories: 2
  • Pool features: Community
  • Patio & porch: Balcony/Patio
  • Has view: Yes
  • View description: Mountain(s)

Parking

  • Total spaces: 1
  • Parking features: Attached,Guest
  • 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 FloodingVery High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Heat Wave
Landslide
Wildfire

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 $4,469$53,628
Home Insurance *$174$2,088
Property Taxes $1,001$12,012
Electricity $398$4,786
Total$6,042$72,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$207,154/yr
40% on housing$181,260/yr
45% on housing$161,120/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

$571This listing

vs Other Active Listings

Avg $/sqft

ZIP 95066$610
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95066$719
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
2026-08-13Price change$849,000
2026-05-20Listed for sale$884,000
2012-04-03Sold$335,000
2012-03-29Price change$355,000
2012-03-27Price change$309,000
2012-01-15Price change$355,000
2012-01-12Price change$309,000
2012-01-06Price change$355,000
2011-12-27Price change$309,000
2011-12-02Price change$355,000
2011-11-17Price change$365,000
2011-10-29Price change$385,000
2011-10-07Pending sale$399,000
2011-08-21Price change$399,000
2011-07-28Price change$409,000
2011-07-18Price change$418,000
2011-06-30Listed for sale$438,000
2005-04-14Sold$560,000
1994-06-24Sold$190,000

For Sale by Agent

AgentDanielle Scott
BrokerageAnderson Christie, Inc.

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