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2701 Amberwood Ln, Santa Cruz, CA, 95065

3beds
2baths
1,392sqft
$779,000
$560price/sqft
$5,532/moest. monthly cost
$221,280/yrincome needed

About This Home

Located in Santa Cruz, this 1,392 sq ft home has new flooring, appliances, fixtures and lighting. It offers three bedrooms and two full bathrooms, including a full bathroom on the ground floor with both a shower and tub, plus a stall shower. The kitchen is equipped with a gas oven range, tile countertops, dishwasher, garbage disposal, range hood, and refrigerator. Flooring features a combination of carpet and laminate throughout. The home includes a gas starter fireplace and central forced air heating, complemented by ceiling fans for cooling. High, vaulted ceilings with open beam details and skylights add spaciousness. Bedrooms include a ground floor bedroom, a loft bedroom, and multiple bedrooms on the ground floor, with a walk-in closet for storage. Laundry facilities are located in the garage, which has space for one vehicle. The property is part of the Soquel Union Elementary School District.

Getting Around

71
WalkingVery Walkable
37
TransitSome Transit
76
BikeVery Bikeable

Schools

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Range Hood,Gas Oven/Range,Refrigerator
  • Laundry features: In Garage

Bathroom

  • Features: ShowerandTub, StallShower, FullonGroundFloor

Bedroom

  • Features: GroundFloorBedroom, LoftBedroom, WalkinCloset, BedroomonGroundFloor2plus

Bedrooms & Bathrooms

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

Dining Room

  • Features: DiningArea

Family Room

  • Features: NoFamilyRoom

Features

  • High Ceilings,One Or More Skylights,Vaulted Ceiling(s),Open Beam Ceiling,Walk-In Closet(s)
  • Door features: None
  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Gas Starter
  • Common walls with other units/homes: End Unit

Heating & Cooling

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

Interior Area

  • Total structure area: 1,392
  • Total interior livable area: 1,392 sqft

Kitchen

  • Features: Countertop_Tile

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 02545122000
  • Zoning: RM-4
  • Special condition: Standard

Features

  • Stories: 2
  • Patio & porch: Balcony/Patio
  • Exterior features: Fenced
  • Fencing: Back Yard,Front Yard

Parking

  • Total spaces: 1
  • Parking features: Assigned,Attached
  • 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
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
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 $3,939$47,268
Home Insurance *$107$1,284
Property Taxes $1,088$13,056
Electricity $398$4,786
Total$5,532$66,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$189,668/yr
40% on housing$165,960/yr
45% on housing$147,520/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

$560This listing

vs Other Active Listings

Avg $/sqft

ZIP 95065$1,009
Santa Cruz County$621

vs Homes Sold Last Month

Median $/sqft

ZIP 95065$792
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
2026-07-22Price change$779,000
2026-06-18Price change$799,000
2026-06-12Listed for sale$835,000
2002-12-05Sold$1,000
1997-08-21Sold$189,500
1995-05-18Sold$165,000

For Sale by Agent

AgentOscar Martinez
BrokerageCentury Medallion Of Los Gatos

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