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3527 Deanes Ln, Capitola, CA, 95010

4beds
4baths
2,235sqft
$1,895,000
$848price/sqft
$12,347/moest. monthly cost
$493,880/yrincome needed

About This Home

Beautifully updated 2,250sq. ft. Mediterranean style home in a great Capitola neighborhood! This exceptional property features 3 bedrooms and 2.5 bathrooms in the main home, plus an attached 1-bedroom, 1-bath ADU ideal for rental income, guests, or multigenerational living. The remodeled chef's kitchen boasts leathered quartzite countertops, custom cabinetry, and premium appliances. Soaring vaulted ceilings highlight the spacious living and dining areas, while the separate family room with a stunning quartzite fireplace opens to a beautifully landscaped backyard with mature trees and custom lighting perfect for entertaining. Additional features include a two-car garage, newer premium roof, security system with exterior cameras, hot tub, ample storage, and side yards. A rare turnkey opportunity just minutes from Capitola Village, beaches, shopping, and dining!

Getting Around

80
WalkingVery Walkable
0
TransitVery Limited Transit
85
BikeVery Bikeable

Schools

Construction

Condition

  • Year built: 1994

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Exhaust Fan,Freezer,Disposal,Microwave,Gas Oven/Range,Refrigerator
  • Laundry features: In Garage

Bathroom

  • Features: DoubleSinks, OutsideAccess, ShowerandTub, StallShower, Stone, Tile, FullonGroundFloor, PrimaryOversizedTub, HalfonGroundFloor

Bedroom

  • Features: GroundFloorBedroom, PrimarySuiteRetreat

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: DiningArea

Family Room

  • Features: SeparateFamilyRoom

Features

  • Vaulted Ceiling(s)
  • Door features: None
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room

Heating & Cooling

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

Interior Area

  • Total structure area: 2,235
  • Total interior livable area: 2,235 sqft

Kitchen

  • Features: ExhaustFan

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 03441224000
  • Zoning: R-1
  • Special condition: Standard

Features

  • Stories: 2
  • Exterior features: Back Yard,Barbecue,Fenced,Storage Shed Structure,Courtyard,Drought Tolerant Plants
  • Fencing: Wood

Lot

  • Lot size: 5,968 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached,Off Street,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
    EarthquakeRelatively High

How This Home’s Risks Compare

Earthquake

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 $9,582$114,984
Home Insurance *$162$1,944
Property Taxes $2,124$25,488
Electricity $479$5,751
Total$12,347$148,164
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$423,325/yr
40% on housing$370,410/yr
45% on housing$329,253/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

$848This listing

vs Other Active Listings

Avg $/sqft

ZIP 95010$765
Santa Cruz County$619

vs Homes Sold Last Month

Median $/sqft

ZIP 95010$1,347
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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Pending sale$1,895,000
2026-07-27Price change$1,895,000
2026-07-13Listed for sale$1,998,000
2007-04-06Sold$925,000
1997-04-18Sold$302,000
AgentErick Fernandez
BrokerageEF HOMES - Coldwell Banker Realty

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