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130 Bennett Rd, Aptos, CA, 95003

4beds
2baths
1,644sqft
$1,399,000
$851price/sqft
$9,314/moest. monthly cost
$372,560/yrincome needed

About This Home

Recently Renovated Rio Del Mar Retreat, Just Blocks to the Sand. This beautifully reimagined 4-bedroom, 2-bath home in Aptos' coveted Rio Del Mar neighborhood has just undergone a complete overhaul inside and out. Just blocks from the beach, this is coastal living at its most turnkey. Upstairs, an incredible living space awaits: expansive windows fill the room with natural light, opening onto a private upper-level deck where you can listen to the waves and breathe in the salt air - the kind of space that makes ordinary evenings feel like vacation. The new kitchen features new appliances, cabinetry, flooring, and lighting. Beyond the new kitchen and roof, the home received extensive updates throughout for a fresh, cohesive feel. Downstairs, a private garage adds valuable storage, a rare find this close to the coast. At the end of the street, Rio Del Mar's beach awaits - evening strolls along the sand become part of everyday life, just steps from your door. People travel from all over the world to vacation on this stretch of coastline - the salt air, the surf, the golden light over the water. Here, that feeling isn't a once-a-year escape. It's simply home. Live where others come to unwind, and let every day feel like the vacation you never have to leave.

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

9/10
5/10
Aptos Junior High SchoolGrades 7-81.2 mi
8/10
Aptos High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 1955

Materials

  • Foundation: Raised
  • Roof: Flat

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven/Range,Refrigerator
  • Laundry features: In Garage

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: NoFormalDiningRoom

Family Room

  • Features: SeparateFamilyRoom

Features

  • Flooring: Hardwood
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning

Heating & Cooling

  • Heating features: Central Forced Air Gas
  • Cooling features: Other

Interior Area

  • Total structure area: 1,644
  • Total interior livable area: 1,644 sqft

Property

Details

  • Parcel number: 04217216000
  • Zoning: RM-3
  • Special condition: Standard

Features

  • Stories: 2

Lot

  • Lot size: 2,047 sqft

Parking

  • Total spaces: 1
  • Parking features: Attached,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
  • 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 $7,074$84,888
Home Insurance *$187$2,244
Property Taxes $1,655$19,860
Electricity $398$4,786
Total$9,314$111,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$319,337/yr
40% on housing$279,420/yr
45% on housing$248,373/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

$851This 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
2026-07-17Listed for sale$1,399,000
2022-07-08Sold$1,305,000
2022-06-06Contingent$1,299,000
2022-06-01Price change$1,299,000
2022-05-20Listed for sale$1,385,000
2021-03-24Listing removed--
2019-06-19Listing removed$3,800
2019-06-05Price change$3,800
2019-05-28Listed for rent$3,900
2005-07-01Sold$760,000

For Sale by Agent

AgentSean Poudrier
BrokerageColdwell Banker Realty

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