See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

465 Los Altos Dr, Aptos, CA, 95003

2beds
2baths
1,384sqft
$1,425,000
$1,030price/sqft
$9,359/moest. monthly cost
$374,360/yrincome needed

About This Home

Welcome to this charming, beautifully maintained two-bedroom, two-bathroom home in one of Aptos' most desirable coastal neighborhoods. From the moment you arrive, the thoughtfully designed landscaping creates a warm, welcoming first impression. Inside, comfort and timeless style come together effortlessly. Meticulously cared for throughout, this home reflects simplicity yet sophistication, featuring a newly remodeled kitchen and bathrooms, along with stylish new LVP flooring. A cozy gas fireplace invites you to unwind, or step outside to your private deck, perfect for entertaining or relaxing, complete with a luxurious jacuzzi and outdoor shower after a day at the nearby beach. Every detail reflects pride of ownership, offering a move-in-ready experience with modern updates and classic appeal. Located in the highly desirable Rio Del Mar area, this home is moments from beautiful beaches, popular restaurants, the Seascape Golf Course, and easy access to Hwy 1. Enjoy the convenience of being within walking distance to the beach while still having easy access to everything you need. With numerous upgrades and exceptional care throughout, this is truly a must-see, turn-key property that feels like home the moment you walk in.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
55
BikeBikeable

Schools

9/10
5/10
Aptos Junior High SchoolGrades 7-80.5 mi
8/10
Aptos High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1973

Materials

  • Foundation: Concrete Perimeter,Crawl Space
  • Roof: Composition

Type & Style

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

Interior

Appliances

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

Bathroom

  • Features: PrimaryStallShowers, ShowerandTub, Tile, UpdatedBaths, FullonGroundFloor

Bedroom

  • Features: PrimarySuiteRetreat, WalkinCloset, BedroomonGroundFloor2plus

Bedrooms & Bathrooms

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

Dining Room

  • Features: DiningAreainLivingRoom

Family Room

  • Features: NoFamilyRoom

Features

  • Flooring: Vinyl Linoleum
  • Number of fireplaces: 1
  • Fireplace features: Living Room

Heating & Cooling

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

Interior Area

  • Total structure area: 1,384
  • Total interior livable area: 1,384 sqft

Property

Details

  • Parcel number: 04411502000
  • Zoning: R-1-5
  • Special condition: Standard

Features

  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Fenced
  • Spa features: Other
  • Fencing: Back Yard

Lot

  • Lot size: 6,708 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $7,205$86,460
Home Insurance *$190$2,280
Property Taxes $1,566$18,792
Electricity $398$4,786
Total$9,359$112,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$320,880/yr
40% on housing$280,770/yr
45% on housing$249,573/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

$1,030This 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
2026-05-15Listed for sale$1,425,000
2004-10-06Sold$635,000
2001-08-31Sold$400,000

For Sale by Agent

AgentShawndy Linquist
BrokerageCompass

Similar Homes