417 Alta Loma Ln, Santa Cruz, CA, 95062
About This Home
This beautiful turnkey 2-bedroom, 2-bathroom home offers incredible curb appeal and an unbeatable location just blocks from the iconic Santa Cruz Harbor. Imagine drifting off to sleep to the gentle sounds of waves and sea lions, spending weekends dancing on the sand at the Crows Nest beach party, strolling through Arana Gulch, or unwinding on the deck with a cold drink as the sun sets. Recent upgrades include fresh interior and exterior paint, a whole-house water filtration system, new exterior decking, and updated patio doors. The remodeled kitchen is a dream for home chefs and entertainers, featuring refreshed cabinetry, new countertops, matching appliances, and an updated sink, perfect for hosting a Memorial Day BBQ or intimate dinner party. The indoor-outdoor lifestyle here is second to none. A spacious paver patio enveloped by lush mature landscaping sets the tone for ultimate relaxation. An attached garage plus driveway parking completes this exceptional coastal offering.
Getting Around
Somewhat Walkable
Some Transit
Very BikeableSchools
Construction
Condition
- Year built: 1981
Materials
- Foundation: Slab
- Roof: Composition, RolledHotMop
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Gas Oven/Range
- Laundry features: In Garage
Bathroom
- Features: DoubleSinks, ShowerandTub, Skylight, TubinPrimaryBedroom, FullonGroundFloor
Bedroom
- Features: GroundFloorBedroom, PrimarySuiteRetreat
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: DiningArea
Family Room
- Features: KitchenFamilyRoomCombo
Features
- One Or More Skylights,Vaulted Ceiling(s),Open Beam Ceiling
- Flooring: Wood
- Number of fireplaces: 1
- Fireplace features: Gas
Heating & Cooling
- Heating features: Central Forced Air
- Cooling features: Ceiling Fan(s)
Interior Area
- Total structure area: 1,800
- Total interior livable area: 1,800 sqft
Kitchen
- Features: Countertop_Granite
Property
Details
- Parcel number: 02706222000
- Zoning: R-1-3.5
- Special condition: Standard
Features
- Stories: 2
- Patio & porch: Balcony/Patio,Deck
- Exterior features: Barbecue,Fenced,Courtyard
- Fencing: Back Yard
- Has view: Yes
- View description: Marina,Ocean,Other
- Has water view: Yes
- Water view: Marina,Ocean
Lot
- Lot size: 2,570 sqft
Parking
- Total spaces: 2
- Parking features: Attached,On 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
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Santa Cruz County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $11,503 | $138,036 |
| Home Insurance * | $237 | $2,844 |
| Property Taxes | $2,287 | $27,444 |
| Electricity | $398 | $4,786 |
| Total | $14,425 | $173,100 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-06 | Listed for sale | $2,400,000 |
| 2023-11-06 | Sold | $2,005,000 |
| 2023-10-17 | Pending sale | $1,994,000 |
| 2023-10-12 | Contingent | $1,994,000 |
| 2023-10-05 | Listed for sale | $1,994,000 |
| 2014-06-24 | Sold | $1,201,000 |
| 2014-05-29 | Pending sale | $1,200,000 |
| 2014-05-26 | Listed for sale | $1,200,000 |
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