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815 Balboa Ave Unit 310, Capitola, CA, 95010

2beds
1baths
704sqft
$799,950
$1,136price/sqft
$5,383/moest. monthly cost
$215,320/yrincome needed

About This Home

Wake up to ocean views, stroll to New Brighton Beach for your morning walk, grab breakfast at Gayle's, and end the day watching the sun set over Monterey Bay. This beautifully remodeled end-unit offers the rare combination of coastal views, walkability, and effortless lock-and-leave living in one of Capitola's most desirable locations. With easy access to Highway 1, commuting to Silicon Valley or anywhere along the Central Coast is simple. Whether you're looking for a full-time residence, weekend retreat, or investment opportunity, this turnkey beach escape offers everything you need to experience the best of Capitola living.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

7/10
7/10

Construction

Condition

  • Year built: 1975

Materials

  • Foundation: Concrete Perimeter,Pillar/Post/Pier
  • Roof: Composition

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Residential

Interior

Appliances

  • Appliances included: Electric Cooktop
  • Laundry features: Community Facility

Bathroom

  • Features: ShoweroverTub1

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: NoFormalDiningRoom

Family Room

  • Features: NoFamilyRoom

Features

  • Wet Bar
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Gas Log

Heating & Cooling

  • Heating features: Floor Furnace
  • Cooling features: None

Interior Area

  • Total structure area: 704
  • Total interior livable area: 704 sqft

Property

Accessibility

  • Accessibility features: Elevator/Lift

Details

  • Parcel number: 03647210000
  • Zoning: RES
  • Special condition: Standard

Features

  • Stories: 3
  • Pool features: Community
  • Has view: Yes
  • View description: Ocean
  • Has water view: Yes
  • Water view: Ocean

Parking

  • Total spaces: 5
  • Parking features: Covered
  • Covered spaces: 1
  • Carport: Yes
  • Carport 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 $4,044$48,528
Home Insurance *$68$816
Property Taxes $873$10,476
Electricity $398$4,786
Total$5,383$64,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$184,560/yr
40% on housing$161,490/yr
45% on housing$143,546/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

$1,136This listing

vs Other Active Listings

Avg $/sqft

ZIP 95010$786
Santa Cruz County$621

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
2026-07-17Listed for sale$799,950
2025-07-03Listing removed$3,300
2025-06-10Listed for rent$3,300
2025-03-25Listing removed$3,400
2025-03-22Price change$3,400
2025-02-01Listed for rent$3,500
2017-06-08Sold$295,000
2017-05-07Pending sale$599,999
2017-03-14Price change$599,999
2017-01-27Listed for sale$625,000
2013-10-19Listing removed$1,850
2013-09-20Price change$1,850
2013-08-25Listed for rent$900
2007-08-22Sold$465,000
2004-03-26Sold$359,000
2002-12-04Sold$334,000

For Sale by Agent

AgentChristy Whiting Wohlert
BrokerageDavid Lyng Real Estate

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