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501 Pine St, Aptos, CA, 95003

3beds
3baths
1,740sqft
$1,350,000
$776price/sqft
$8,881/moest. monthly cost
$355,240/yrincome needed

About This Home

Corner Lot Nestled in the heart of Seacliff. Imagine your morning beach walk starting here. This coastal retreat captures everything buyers love. The home features a beautifully updated kitchen, bathroom, a bright sunroom and a loft style studio with it's own updated bath and kitchenette and roof top deck with ocean views. Prime coastal setting just a block from Seacliff State Beach. Perfect for beach pinics, and peacefull sunset views. Step outside to a private back yard perfect for al fresco dining, weekend barbecues or simply relaxing in the coastal breeze. Whether you are seeking a full-time residence or a serene second home, or an investment property, this home embodies the ultimate beach lifestyle. Huge workshop space. Perfect for someone in the trades or a hobbyist. Seacliff blends a relaxed experience with a connected neghborhood feel. Just a short stroll to Marrianne's Ice Cream, Manuels Mexican Restaurant, Castellis Cafe/Deli and the Aptos Village where fine dining at Mentones, a beer at Other Brother's Brewery, thrifting at Carolines or a coffee at Cat and Cloud awaits your visit. Easy access to the freeway. MUST SEE IN PERSON TO APPRECIATE!

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

6/10
5/10
Aptos Junior High SchoolGrades 7-81.9 mi
8/10
Aptos High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1958

Materials

  • Foundation: Slab
  • Roof: RolledHotMop, Shingle

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Dining Room

  • Features: DiningAreainLivingRoom

Family Room

  • Features: NoFamilyRoom

Features

  • Flooring: Wood
  • Fireplace features: Wood Burning Stove

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Other

Interior Area

  • Total structure area: 1,740
  • Total interior livable area: 1,740 sqft

Property

Details

  • Parcel number: 03811318
  • Zoning: R-1-4
  • Special condition: Standard

Lot

  • Lot size: 6,665 sqft

Parking

  • Total spaces: 1
  • Parking features: Attached,Electric Vehicle Charging Station(s),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

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 $6,826$81,912
Home Insurance *$180$2,160
Property Taxes $1,477$17,724
Electricity $398$4,786
Total$8,881$106,572
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$304,491/yr
40% on housing$266,430/yr
45% on housing$236,826/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

$776This listing

vs Other Active Listings

Avg $/sqft

ZIP 95003$686
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95003$821
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
2026-05-07Price change$1,399,000
2026-04-21Price change$1,449,000
2026-03-15Listed for sale$1,499,000
2024-05-07Listing removed--
2024-05-03Listed for rent$4,200
2022-05-23Listing removed--
2022-05-14Listed for rent$4,000
2021-01-24Listing removed--
2021-01-17Listed for rent$3,850
2018-12-28Sold$650,000

For Sale by Agent

AgentDena Levey
BrokerageeXp Realty of California Inc

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