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181 Spring Water Ln, Los Gatos, CA, 95033

3beds
2baths
2,185sqft
$1,700,000
$778price/sqft
$11,241/moest. monthly cost
$449,640/yrincome needed

About This Home

Beautifully updated single story retreat home perched in the Los Gatos hills is everything you've waited for! Every inch radiates pride of ownership. Enter to wide plank floors and spacious vaulted ceilings and open kitchen/living/dining floorplan that feels crisp, modern and inviting. Lovely barnwood wall with fireplace and large high quality windows and sliders for beautiful light throughout and breathtaking mountain views. Gourmet Kitchen features stunning marble counters, oversize breakfast bar, wine refrigerator, great storage/pantry and high-end stainless steel appliances with 6 burner chef's stove. Separate laundry room. Fantastic Primary suite with bathroom and walk-in closets, 3rd bedroom is double sized, makes for great office/playroom combo. This home is as efficient as it is beautiful, boasting a 2016 roof and a 2019 solar system with two Tesla Powerwalls. Central heat, a/c and fronteir DSL high speed internet. Great storage space behind 1st garage plus separate 2 car garage. Outside, enjoy sunny 2.8 acres with mostly level backyard area and dog run at back of property near well. Set in the highly desirable, quiet Sklyine area, just 15 minutes to town and best Los Gatos Schools: Lakeside elementary school, CT English Middle, and Los Gatos High.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

9/10
10/10
Los Gatos High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 1969

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Ice Maker,Microwave,Gas Oven/Range,Refrigerator,Wine Refrigerator
  • Laundry features: Inside

Bathroom

  • Features: PrimaryStallShowers, StallShower2plus, FullonGroundFloor

Bedroom

  • Features: PrimarySuiteRetreat, WalkinCloset, BedroomonGroundFloor2plus

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: DiningArea

Family Room

  • Features: SeparateFamilyRoom

Features

  • High Ceilings,Open Beam Ceiling
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas

Heating & Cooling

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

Interior Area

  • Total structure area: 2,185
  • Total interior livable area: 2,185 sqft

Kitchen

  • Features: Countertop_Stone, Island, Pantry

Property

Details

  • Parcel number: 08818110000
  • Zoning: SU
  • Special condition: Standard
  • Horse amenities: Unimproved

Features

  • Stories: 1
  • Exterior features: Dog Run/Kennel,Drought Tolerant Plants
  • Fencing: Partial
  • Has view: Yes
  • View description: Forest/Woods,Mountain(s)

Lot

  • Lot size: 2.80 Acres

Parking

  • Total spaces: 4
  • 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

  • Landslide
    LandslideVery High
  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Landslide
Wildfire
Earthquake
Inland Flooding
Heat Wave

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 $8,596$103,152
Home Insurance *$603$7,236
Property Taxes $1,574$18,888
Electricity $468$5,622
Total$11,241$134,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$385,405/yr
40% on housing$337,230/yr
45% on housing$299,760/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

$778This listing

vs Other Active Listings

Avg $/sqft

ZIP 95033$684
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95033$608
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
2026-08-14Price change$1,600,000
2026-07-01Listed for sale$1,700,000
2022-05-10Sold$1,700,000
2022-04-27Contingent$1,488,000
2022-04-21Listed for sale$1,488,000
2016-04-22Sold$825,000
2016-03-31Pending sale$850,000
2016-03-31Listed for sale$850,000
2016-02-16Listing removed$850,000
2015-12-04Pending sale$850,000
2015-11-12Listed for sale$850,000
2010-11-24Listing removed$799,800
2010-10-02Price change$799,800
2010-08-05Listed for sale$844,000
2007-07-10Sold$700,000

For Sale by Agent

AgentLisa Sgarlato
BrokerageCompass

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