431 Capitola Ave, Capitola, CA, 95010
About This Home
OHHHH the possibilities!! 3 blocks to the beach & esplanade in the very heart of Capitola Village! This 3 bedroom (records reflect 2 bedrooms), 2 bath home has room to park 2 vehicles (25'x20'+) on this property- hard to come by! 1 bedroom downstairs and 2 bedrooms upstairs- the smaller of the 2 would be perfect for a nursery or a home office! This charming 104 year old home is zoned mixed use, nicely updated bathrooms, updated plumbing. Home was previously divided into two units- the possibilities are endless, definitely a perfect home for shared living/rent one level and live in the other! Put your personal touches on this one and enjoy living in one of the greatest locations in California! Step out the front door and the choices are endless: 2 doors down-Avenue Cafe; Up the street-Gayles Bakery; Down the street-the Beach and Village - Don't hesitate on this one!
Getting Around
Walker's Paradise
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Fixer
- Year built: 1922
Materials
- Foundation: Concrete Perimeter,Pillar/Post/Pier
- Roof: Flat
Type & Style
- Home type: SingleFamily
- Architectural style: Vintage
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Exhaust Fan,Gas Oven/Range,Refrigerator
Bathroom
- Features: ShoweroverTub1, StallShower, FullonGroundFloor
Bedroom
- Features: GroundFloorBedroom
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: BreakfastBar, NoFormalDiningRoom
Family Room
- Features: SeparateFamilyRoom
Features
- Flooring: Laminate,Tile,Vinyl Linoleum
Heating & Cooling
- Heating features: Wall Furnace
- Cooling features: Other
Interior Area
- Total structure area: 880
- Total interior livable area: 880 sqft
Kitchen
- Features: ExhaustFan
Property
Accessibility
- Accessibility features: Parking
Details
- Parcel number: 03509313000
- Zoning: mixed use
- Special condition: Standard
Features
- Stories: 2
Lot
- Lot size: 828 sqft
- Features: Mostly Level
Parking
- Parking features: Off Street,On Street,Parking Area
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
- Inland Flooding
- 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 | $4,545 | $54,540 |
| Home Insurance * | $77 | $924 |
| Property Taxes | $1,019 | $12,228 |
| Electricity | $398 | $4,786 |
| Total | $6,039 | $72,468 |
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 |
|---|---|---|
| 2026-05-07 | Listed for sale | $1,079,000 |
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