103 Dunsmuir Ct, Aptos, CA, 95003
About This Home
Own your slice of the Aptos beach lifestyle! This is a FRACTIONAL OWNERSHIP opportunity offering approximately 6-7 weeks of use per year in a beautifully maintained coastal retreat. Enjoy the benefits of a second home without the full-time expense, with a rotating schedule that provides flexibility throughout the year. Whether you're seeking weekend escapes, family vacations, or a relaxing beach getaway, this is an affordable way to enjoy coastal living. Ideally located near Seascape Resort, Seascape Golf Club, private beach access, shopping, dining, and miles of scenic coastline, this 4-bedroom, 2-bath home offers 2,019± sq. ft. of inviting living space. Vaulted ceilings, skylights, and abundant natural light enhance the home's open feel. The kitchen features granite countertops, a gas cooktop, built-in oven, microwave, dishwasher, and refrigerator. Enjoy a cozy wood-burning fireplace, spacious primary suite with updated bath and dual sinks, indoor laundry, central forced-air heating, double-pane windows, and an attached 2-car garage. A rare opportunity to enjoy a second home in one of Aptos' most desirable beach communities.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1989
Materials
- Foundation: Concrete Perimeter and Slab
- Roof: Composition
Type & Style
- Home type: SingleFamily
- Property subType: Other,Residential
Interior
Appliances
- Appliances included: Gas Cooktop,Dishwasher,Microwave,Built In Oven,Electric Oven/Range,Refrigerator
- Laundry features: Inside,In Utility Room
Bathroom
- Features: DoubleSinks, PrimaryStallShowers, ShowerandTub, StallShower, UpdatedBaths, FullonGroundFloor
Bedroom
- Features: PrimarySuiteRetreat
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: DiningArea
Family Room
- Features: SeparateFamilyRoom
Features
- High Ceilings,One Or More Skylights,Vaulted Ceiling(s)
- Flooring: Carpet,Tile
- Number of fireplaces: 2
- Fireplace features: Wood Burning
Heating & Cooling
- Heating features: Central Forced Air Gas
- Cooling features: None
Interior Area
- Total structure area: 2,019
- Total interior livable area: 2,019 sqft
Kitchen
- Features: Countertop_Granite, Skylights
Property
Details
- Parcel number: 05314125000
- Zoning: R-1-4
- Special condition: Standard
Features
- Stories: 2
- Patio & porch: Balcony/Patio,Deck
- Exterior features: Back Yard,Barbecue,Fenced
- Has view: Yes
- View description: Garden/Greenbelt
Lot
- Lot size: 4,225 sqft
Parking
- Total spaces: 4
- Parking features: Attached,Off Site,On Street,Parking Area
- 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
- Inland Flooding
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Santa Cruz County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,264 | $15,168 |
| Home Insurance * | $33 | $396 |
| Property Taxes | $261 | $3,132 |
| Electricity | $432 | $5,195 |
| Total | $1,990 | $23,880 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-12 | Listed for sale | $250,000 |
| 2026-08-04 | Listing removed | $250,000 |
| 2026-07-08 | Listed for sale | $250,000 |
| 2023-05-08 | Sold | $195,000 |
| 2023-01-19 | Listed for sale | $195,000 |
| 2022-12-02 | Sold | $399,000 |
| 2022-11-03 | Contingent | $399,000 |
| 2022-09-22 | Price change | $399,000 |
| 2022-07-02 | Listed for sale | $450,000 |
| 2021-04-02 | Listing removed | -- |
| 2021-03-11 | Listed for sale | $1,595,000 |
| 2019-07-25 | Sold | $120,000 |
| 2015-12-18 | Sold | $95,000 |
| 2015-09-14 | Sold | $95,000 |
| 2014-06-02 | Sold | $95,000 |
| 2011-01-14 | Sold | $92,500 |
| 2008-04-01 | Sold | $105,000 |
| 2005-03-24 | Sold | $792,000 |
| 1996-05-31 | Sold | $325,000 |
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