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306 El Salto Dr, Capitola, CA, 95010

3beds
2baths
1,315sqft
$2,699,950
$2,053price/sqft
$16,953/moest. monthly cost
$678,120/yrincome needed

About This Home

Experience refined coastal living in this fully remodeled beach bungalow on Depot Hill, just blocks from Capitola Village. Thoughtfully designed, this turn-key home blends modern upgrades with relaxed seaside charm. The open-concept floor plan features hardwood flooring, high ceilings, and abundant natural light. The kitchen is both functional and elevated, with marble countertops, a large island with sink, and premium appliances from Wolf and Sub-Zero. Custom cabinetry, built-in storage, and clean design details create a space that feels both polished and livable. Offering three bedrooms, two bathrooms, and a flexible trundle sleeping area, the layout adapts easily for guests or extended stays. Upgrades throughout include plumbing, electrical, furnace, and an on-demand water heater. The backyard includes an outdoor shower, privacy landscaping, and ambient lighting for evening use. A detached one-car garage adds storage and room for surfboards because, realistically, thats part of the deal here. Walk to the beach, catch a morning surf, or spend the evening in Capitola Village. This is the kind of Capitola property people wait for, and usually miss.

Getting Around

85
WalkingVery Walkable
0
TransitVery Limited Transit
57
BikeBikeable

Schools

7/10
7/10

Construction

Condition

  • Year built: 1930

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven/Range,Washer/Dryer
  • Laundry features: Inside

Bathroom

  • Features: PrimaryStallShowers, FullonGroundFloor

Bedroom

  • Features: GroundFloorBedroom, PrimarySuiteRetreat

Bedrooms & Bathrooms

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

Dining Room

  • Features: DiningAreainLivingRoom

Family Room

  • Features: NoFamilyRoom

Features

  • High Ceilings
  • Flooring: Wood

Heating & Cooling

  • Heating features: Central Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,315
  • Total interior livable area: 1,315 sqft

Kitchen

  • Features: Countertop_Marble, IslandwithSink

Property

Details

  • Parcel number: 03612326000
  • Zoning: SFR
  • Special condition: Standard

Features

  • Patio & porch: Balcony/Patio
  • Exterior features: Barbecue
  • Fencing: Wood

Lot

  • Lot size: 3,180 sqft
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Detached,On Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Tsunami
    TsunamiModerate

How This Home’s Risks Compare

Earthquake
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 $13,652$163,824
Home Insurance *$231$2,772
Property Taxes $2,672$32,064
Electricity $398$4,786
Total$16,953$203,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$581,245/yr
40% on housing$508,590/yr
45% on housing$452,080/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

$2,053This listing

vs Other Active Listings

Avg $/sqft

ZIP 95010$735
Santa Cruz County$618

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
2026-05-10Listed for sale$2,998,000
2024-10-23Sold$2,850,000
2024-10-05Contingent$2,998,000
2024-09-09Price change$2,998,000
2024-08-26Listed for sale$3,198,000
2022-06-13Sold$3,000,000
2022-03-17Listing removed--
2022-03-10Listed for sale$2,498,000
2019-02-19Sold$1,695,000
2019-02-06Pending sale$1,695,000
2018-11-29Listed for sale$1,695,000
2013-08-14Sold$907,000
2013-07-18Listed for sale$838,000
1999-08-20Sold$400,000

For Sale by Agent

AgentChristy Whiting Wohlert
BrokerageDavid Lyng Real Estate

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