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365 Granite Creek Rd, Santa Cruz, CA, 95065

5beds
3baths
3,610sqft
$2,595,000
$719price/sqft
$16,633/moest. monthly cost
$665,320/yrincome needed

About This Home

Welcome to 365 Granite Creek Road, a turnkey Contemporary home in an idyllic close-in country setting, flooded with natural light. With a 5BR/3BA main house highlighted by the recently fully remodeled cooks kitchen and a bonus studio with a partial bathroom, theres no lack of space for comfortable living. Offering a peaceful, rural feel while remaining convenient to downtown, DeLaveaga Park, Soquel Drive, and major commuter on-ramps, this rare offering is a true Goldilocks property: big enough for everyone to have their own room, with enough land to provide a real sense of privacy and space, a bonus area for guests or a detached office or gym, and just enough of a homesteading feel to support self-sufficiency. With an enclosed garden on well-fed drip irrigation, a spacious chicken coop, over 20 fruit trees, and a solar array to power it all, this home checks a LOT of boxes. Downstairs features 1BR/1BA, a huge living room, and access to the attached two-car garage, while the remaining 4BR upstairs share bright living spaces with easy access to the backyard for quintessential indoor-outdoor flow. There is nothing else like this on the market, and there may not be anything like it for quite a while. This one is a winner!

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
13
BikeSomewhat Bikeable

Schools

8/10
9/10
7/10
Harbor High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1961

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition, Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Fan,Microwave,Gas Oven/Range,Refrigerator,Wine Refrigerator,Washer/Dryer
  • Laundry features: Tub/Sink,Inside,In Utility Room

Bathroom

  • Features: Bidet, DoubleSinks, Marble, ShowerandTub, StallShower, Tile, UpdatedBaths, FullonGroundFloor

Bedroom

  • Features: GroundFloorBedroom

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: BreakfastBar, DiningArea

Family Room

  • Features: SeparateFamilyRoom

Features

  • High Ceilings,One Or More Skylights,Open Beam Ceiling
  • Flooring: Tile,Vinyl Linoleum,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room

Heating & Cooling

  • Heating features: Central Forced Air,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,610
  • Total interior livable area: 3,610 sqft

Kitchen

  • Features: Countertop_Other, ExhaustFan, Island

Property

Details

  • Parcel number: 10115107000
  • Zoning: A
  • Special condition: Standard

Features

  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: Back Yard,Barbecue,Fenced,Storage Shed Structure,Drought Tolerant Plants
  • Fencing: Back Yard,Partial
  • Has view: Yes
  • View description: Forest/Woods,Mountain(s)

Lot

  • Lot size: 2.65 Acres

Parking

  • Total spaces: 12
  • Parking features: Attached,Carport,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Carport: Yes
  • Carport 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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide
Wildfire
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 $13,121$157,452
Home Insurance *$357$4,284
Property Taxes $2,381$28,572
Electricity $774$9,289
Total$16,633$199,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$570,274/yr
40% on housing$498,990/yr
45% on housing$443,546/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

$719This listing

vs Other Active Listings

Avg $/sqft

ZIP 95065$966
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95065$792
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
2026-07-06Listed for sale$2,595,000
2026-06-20Contingent$2,695,000
2026-05-27Listed for sale$2,695,000
2020-07-21Sold$2,115,000
2020-07-06Pending sale$2,195,000
2020-06-21Listed for sale$2,195,000
2019-08-15Sold$1,247,500
2019-07-18Pending sale$1,275,000
2019-07-09Price change$1,275,000
2019-06-08Price change$1,399,000
2019-05-13Price change$1,499,000
2019-05-06Listed for sale$1,875,000

For Sale by Agent

AgentEli Karon
BrokerageKaron Properties

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