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264 Beach Dr, Aptos, CA, 95003

1beds
1baths
558sqft
$1,750,000
$3,136price/sqft
$11,464/moest. monthly cost
$458,560/yrincome needed

About This Home

Step inside a home where design and function meet at the highest level. A custom Bulthaup kitchen from Germany sets the tone, offering olive wood cabinetry, stainless steel countertops, and a sleek back-painted glass backsplash. Enjoy the integrated Miele appliances including a built-in espresso system and combination speed oven, complemented by a new Wolf induction cooktop and drawer-style dishwasher. Radiant heated floors run throughout, while thoughtful built-ins, including custom bedroom cabinetry and a wall-mounted TV, maximize comfort and storage. The home flows effortlessly to the outdoors with a full-width LaCantina bifold door, opening to ocean air and seamless indoor-outdoor living. A board-formed concrete fireplace anchors the space with warmth and texture. Upstairs, an ultra-private rooftop deck features porcelain pavers, Ipe stair treads, and a full outdoor kitchen with stainless cabinetry, refrigeration, and Dekton counters designed for entertaining above it all. Complete with an outdoor hot-water shower and direct beach access just steps away. This is coastal living, refined.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
61
BikeBikeable

Schools

9/10
5/10
Aptos Junior High SchoolGrades 7-81.3 mi
8/10
Aptos High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1935

Materials

  • Foundation: Slab
  • Roof: Flat

Type & Style

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

Interior

Appliances

  • Laundry features: Inside

Bedrooms & Bathrooms

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

Dining Room

  • Features: NoFormalDiningRoom

Family Room

  • Features: NoFamilyRoom

Features

  • Flooring: Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning

Heating & Cooling

  • Heating features: Radiant
  • Cooling features: None

Interior Area

  • Total structure area: 558
  • Total interior livable area: 558 sqft

Property

Details

  • Parcel number: 04307263000
  • Zoning: RM-2.5
  • Special condition: Standard

Features

  • Patio & porch: Balcony/Patio
  • Has view: Yes
  • View description: Ocean
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 653 sqft

Parking

  • Parking features: No Garage

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 $8,848$106,176
Home Insurance *$234$2,808
Property Taxes $1,984$23,808
Electricity $398$4,786
Total$11,464$137,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$393,051/yr
40% on housing$343,920/yr
45% on housing$305,706/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

$3,136This listing

vs Other Active Listings

Avg $/sqft

ZIP 95003$684
Santa Cruz County$619

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)

No zestimate history available

Price History

DateEventPrice
2026-05-05Listed for sale$1,995,000
2012-05-31Sold$970,000
2012-05-29Pending sale$1,049,000
2012-05-24Listed for sale$1,049,000
2012-05-10Pending sale$1,049,000
2011-09-02Price change$1,049,000
2011-07-17Price change$1,099,000
2011-05-21Listed for sale$1,169,000

For Sale by Agent

Agent Bouja & Swenson Group, Golden Gate Sotheby's International Realty
BrokerageGolden Gate Sotheby's International Realty

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