4360 Opal Cliff Dr, Santa Cruz, CA, 95062
About This Home
Some properties ask you to imagine the potential. This one hands it to you. A fully approved, permit-ready coastal home is ready to break ground on one of Santa Cruz's most coveted oceanfront streets. The architectural work is done. The coastal approvals are secured. The years of regulatory navigation someone else already endured. You just build. Choose your finishes and make it yours. Wake up to panoramic ocean views spanning the full arc of Monterey Bay at the former home of surfing legend Jack O'Neil. Walk to beach access and some of the best surf spots on the California coast Privates Beach, Pleasure Point, and Capitola Village all within walking distance. The approved plans deliver a 5-bedroom, 4.5-bath, 4,220 SF home with an open floor plan, ground floor primary suite, and an upper-level ADU a flexible 558 SF space ideal as a guest suite, home office, or private retreat plus a 3-car garage. Sited on an 11,600 SF oceanfront parcel with significant coastal bluff protections in place, including a concrete seawall and rip-rap revetment at the base of the bluff. California's coastal permitting process is notoriously slow, expensive, and uncertain. This property skips all of it construction drawings and approvals in hand, permit-ready. Your shortcut to oceanfront living.
Getting Around
Somewhat Walkable
Some Transit
Biker's ParadiseSchools
Construction
Condition
- Year built: 1952
Materials
- Foundation: Slab
- Roof: Composition
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Gas Oven/Range,Refrigerator
- Laundry features: In Utility Room
Bathroom
- Features: OutsideAccess, ShowerandTub, StallShower, FullonGroundFloor
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: DiningArea
Family Room
- Features: KitchenFamilyRoomCombo
Features
- Flooring: Vinyl Linoleum
- Number of fireplaces: 1
- Fireplace features: Wood Burning Stove
Heating & Cooling
- Heating features: Wood Stove
- Cooling features: None
Interior Area
- Total structure area: 2,427
- Total interior livable area: 2,427 sqft
Kitchen
- Features: Countertop_Tile, IslandwithSink
Property
Details
- Parcel number: 03315127000
- Zoning: R-1-5
- Special condition: Standard
Features
- Stories: 2
- Patio & porch: Balcony/Patio,Deck
- Exterior features: Back Yard,Barbecue,Fenced
- Has view: Yes
- View description: Bay,City Lights,Ocean,Water
- Has water view: Yes
- Water view: Bay,Ocean,Water
Lot
- Lot size: 0.27 Acres
Parking
- Total spaces: 2
- Parking features: Attached
- 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 | $34,379 | $412,548 |
| Home Insurance * | $710 | $8,520 |
| Property Taxes | $6,441 | $77,292 |
| Electricity | $520 | $6,245 |
| Total | $42,050 | $504,600 |
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 |
|---|---|---|
| 2026-04-17 | Listed for sale | $7,250,000 |
| 2024-06-25 | Sold | $5,250,000 |
| 2024-06-22 | Pending sale | $5,700,000 |
| 2024-05-05 | Contingent | $5,700,000 |
| 2024-04-10 | Price change | $5,700,000 |
| 2024-02-15 | Listed for sale | $5,950,000 |
| 2023-05-05 | Listing removed | -- |
| 2023-01-21 | Listed for sale | $6,995,000 |
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