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429 Capitola Ave, Capitola, CA, 95010

3beds
2baths
960sqft
$1,498,000
$1,560price/sqft
$9,708/moest. monthly cost
$388,320/yrincome needed

About This Home

Location location location. Just steps from beach, river and village shops and restaurants, this charming home was beautifully updated in 1990. Enter the 2-bedroom 1 bathroom unit through private gate and brick walkway surrounded by scents of herbs and flowers. Located in the picturesque Capitola, this residence offers a cozy and inviting atmosphere with open beam ceiling and French doors and windows that add character to the white interior with black accents. The kitchen features modern amenities including a marble countertop, garbage disposal, and a gas oven range. Large walk in shower in bathroom with a sun tunnel. French door leads out to sunny deck with views of the Capitola Trestle and has access to a lower brick patio and lower unit via the spiral stairway. The bonus value in this property is a large studio unit (bedroom 3 ) that is currently rented... The flooring throughout the home is a blend of tile, wood upstairs and engineered flooring in downstairs providing both durability and aesthetic appeal. The heating system includes baseboards and electric fireplace, The layout is efficiently designed to maximize space and functionality. For convenience, laundry is located in the utility room and storage area. Charming and convenient to all things Capitola has to offer.

Getting Around

91
WalkingWalker's Paradise
0
TransitVery Limited Transit
63
BikeBikeable

Schools

6/10
Soquel Elementary SchoolGrades K-50.7 mi
7/10

Construction

Condition

  • Year built: 1928

Materials

  • Foundation: Concrete Perimeter and Slab
  • Roof: Composition

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod,Cottage,Country English,French
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Disposal,Gas Oven/Range,Refrigerator,Washer/Dryer
  • Laundry features: In Utility Room

Bathroom

  • Features: Marble, PrimaryStallShowers, StallShower2plus

Bedroom

  • Features: GroundFloorBedroom

Bedrooms & Bathrooms

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

Dining Room

  • Features: NoFormalDiningRoom

Family Room

  • Features: NoFamilyRoom

Features

  • High Ceilings,Open Beam Ceiling
  • Door features: None
  • Flooring: Other,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Free Standing,Living Room,Other

Heating & Cooling

  • Heating features: Baseboard,Fireplace(s)
  • Cooling features: None

Interior Area

  • Total structure area: 960
  • Total interior livable area: 960 sqft

Kitchen

  • Features: Countertop_Marble

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 03509314000
  • Zoning: Res
  • Special condition: Standard

Features

  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: Barbecue,Courtyard
  • Fencing: Gate

Lot

  • Lot size: 1,002 sqft

Parking

  • Parking features: On Street

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
  • Tsunami
    TsunamiModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Tsunami

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 $7,574$90,888
Home Insurance *$128$1,536
Property Taxes $1,608$19,296
Electricity $398$4,786
Total$9,708$116,496
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$332,845/yr
40% on housing$291,240/yr
45% on housing$258,880/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

$1,560This listing

vs Other Active Listings

Avg $/sqft

ZIP 95010$767
Santa Cruz County$620

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)

Price History

DateEventPrice
2026-04-11Listed for sale$1,498,000
2024-10-12Listing removed$2,100
2024-09-12Listed for rent$2,100
2023-11-02Listing removed--
2023-09-30Price change$1,950
2023-08-17Listed for rent$2,100
2020-04-15Listing removed$1,500
2020-03-17Listed for rent$1,500
2019-02-22Listing removed$1,500
2019-02-09Listed for rent$1,500
2018-08-31Listing removed$1,500
2018-08-18Listed for rent$1,500
2016-05-31Listing removed$1,500
2016-03-01Listed for rent$1,500
2007-06-29Sold$730,000
2000-12-08Sold$475,000
1997-12-31Sold$267,000

For Sale by Agent

AgentVicki Malandra
BrokerageDavid Lyng Real Estate

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