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587 Saint Andrews Dr, Aptos, CA, 95003

4beds
4baths
3,761sqft
$3,395,000
$903price/sqft
$21,920/moest. monthly cost
$876,800/yrincome needed

About This Home

Perfectly positioned along the 10th hole of the Seascape Golf Course in Aptos' highly sought-after Rio Del Mar neighborhood, this stunningly remodeled 3,761-square-foot home is designed for both elevated living and unforgettable entertaining. From the moment you step inside, refined finishes set the tone: elegant Italian tile floors, dramatic Armani ceramic tile in the primary bath, and sleek black glass flooring create a sophisticated, modern edge, while European paneling in the primary suite adds warmth, style, and sound-insulated comfort. Walls of glass anchored by nine oversized windows capture sweeping golf course views and flood the home with natural light. Step outside to over 1,100 square feet of decking, where indoor-outdoor living comes to life. Whether hosting sunset dinners, weekend gatherings, or simply unwinding as golfers pass below, this expansive outdoor space transforms the home into a true entertainers dream. Set in one of Aptos' most desirable coastal enclaves, just moments from beaches, dining, and everyday conveniences, this is where luxury, lifestyle, and location come together.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

9/10
5/10
Aptos Junior High SchoolGrades 7-80.9 mi
8/10
Aptos High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1974

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Fan,Microwave,Gas Oven/Range,Refrigerator,Washer/Dryer

Bathroom

  • Features: Bidet, DoubleSinks, PrimaryStallShowers, UpdatedBaths, HalfonGroundFloor

Bedroom

  • Features: WalkinCloset

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: DiningArea, DiningBar

Family Room

  • Features: KitchenFamilyRoomCombo

Features

  • High Ceilings,One Or More Skylights,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Tile
  • Number of fireplaces: 4
  • Fireplace features: Family Room,Gas,Living Room,Other Location

Heating & Cooling

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

Interior Area

  • Total structure area: 3,761
  • Total interior livable area: 3,761 sqft

Kitchen

  • Features: ExhaustFan, Skylights

Property

Details

  • Parcel number: 05319106000
  • Zoning: R-1-10
  • Special condition: Standard

Features

  • Stories: 2
  • Patio & porch: Balcony/Patio,Deck
  • Exterior features: Back Yard,Barbecue,Fenced
  • Fencing: Back Yard
  • Has view: Yes
  • View description: Golf Course

Lot

  • Lot size: 0.28 Acres

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 $17,166$205,992
Home Insurance *$454$5,448
Property Taxes $3,494$41,928
Electricity $806$9,677
Total$21,920$263,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$751,542/yr
40% on housing$657,600/yr
45% on housing$584,533/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

$903This 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)

Price History

DateEventPrice
2026-04-20Listed for sale$3,395,000
2020-09-04Sold$1,470,000
2020-08-06Pending sale$1,495,000
2020-07-21Listed for sale$1,495,000
2013-03-12Sold$862,500
2013-01-22Listed for sale$939,000
2012-10-17Listing removed$989,000
2012-04-18Listed for sale$989,000

For Sale by Agent

AgentGuy Giuffre
BrokerageCompass

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