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

1061 Summit Rd., Watsonville, CA, 95076

3beds
3baths
2,500sqft
$3,499,000
$1,400price/sqft
$22,424/moest. monthly cost
$896,960/yrincome needed

About This Home

OUTSIDE OF SILICON VALLEY, A MONTEREY BAY HORIZON | Atop the Santa Cruz Mtns, a retreat offering escape from the noise, the fast pace, and expectations. Private conversations here stay far away from the world below. ~1 hour from Silicon Valley, Palo Alto, and Monterey. Secure gated entry opens to a residence defined by ocean views, natural materials, peace, and luxury. Living areas flow out to decks overlooking the coast and lush grounds. Primary Suite with spa bath. Relax in your sauna or steam shower then step onto the balcony for mtn. air and an ocean view - spas in the valley don't compare. Guest bdrms open to a promenade overlooking the pools. Steps away from the beach-entry pool, dbl-door entry into a 2500sf± basement w/12' ceilings! Sit poolside or float atop sparkling water while gazing to the ocean, enjoy the ground's juicy strawberries! Picnic under the redwoods, get dirty in the veggie beds! Pre-dev. done for 1200sf ADU w/400sf loft. Potential for: glamping, horses, vertiport, dirt-biking, golf, etc. Rare power capacity for heavy demand; private water, security, and internet; solar power. For a compound, legacy retreat, or forward-looking property inviting new forms of air mobility, the groundwork is there. Income potential. Offering memorandum upon request.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
8
BikeSomewhat Bikeable

Schools

5/10
5/10
Aptos Junior High SchoolGrades 7-87.9 mi
8/10
Aptos High SchoolGrades 9-127.0 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Concrete Perimeter,Raised,Reinforced Concrete
  • Roof: Composition, Shingle
  • Construction materials: Concrete

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Exhaust Fan,Freezer,Disposal,Microwave,Gas Oven/Range,Refrigerator,Wine Refrigerator
  • Laundry features: In Garage

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom

  • Features: Granite, PrimaryStallShowers, ShoweroverTub1, StallShower, SteamShower, FullonGroundFloor

Bedroom

  • Features: PrimarySuiteRetreat, WalkinCloset, PrimaryBedroomonGroundFloor, BedroomonGroundFloor2plus

Bedrooms & Bathrooms

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

Dining Room

  • Features: BreakfastBar, DiningAreainLivingRoom

Family Room

  • Features: Other

Features

  • One Or More Skylights,Vaulted Ceiling(s),Wet Bar,Walk-In Closet(s),Security Gate
  • Flooring: Concrete,Marble
  • Number of fireplaces: 1
  • Fireplace features: Living Room

Heating & Cooling

  • Heating features: 2 plus Zones,Individual Room Controls
  • Cooling features: Zoned

Interior Area

  • Total structure area: 2,500
  • Total interior livable area: 2,500 sqft

Kitchen

  • Features: Countertop_Granite, ExhaustFan, Island, Pantry

Property

Details

  • Parcel number: 10610128000
  • Zoning: SU
  • Special condition: Standard
  • Horse amenities: Pasture,TrailerStorage

Features

  • Pool features: In Ground
  • Patio & porch: Balcony/Patio
  • Exterior features: Back Yard,Barbecue,Fenced,Courtyard,Fire Pit
  • Spa features: Other
  • Fencing: Back Yard,Gate,Mixed Height Type
  • Has view: Yes
  • View description: Bay,Mountain(s),Ocean
  • Has water view: Yes
  • Water view: Bay,Ocean

Lot

  • Lot size: 15.59 Acres
  • Features: Mostly Level,Sloped Down

Parking

  • Total spaces: 8
  • Parking features: Detached,Electric Gate,Oversized
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High

How This Home’s Risks Compare

Earthquake
Drought
Inland Flooding
Landslide
Wildfire

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 $17,692$212,304
Home Insurance *$718$8,616
Property Taxes $3,478$41,736
Electricity $536$6,433
Total$22,424$269,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$768,822/yr
40% on housing$672,720/yr
45% on housing$597,973/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

$1,400This listing

vs Other Active Listings

Avg $/sqft

ZIP 95076$476
Santa Cruz County$618

vs Homes Sold Last Month

Median $/sqft

ZIP 95076$576
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
2026-04-21Listed for sale$3,499,000
2015-09-16Sold$359,000
2014-07-30Sold$359,000
2005-09-07Sold$390,000

For Sale by Agent

AgentKathryn Harrold
BrokerageGolden Gate Sotheby's International Realty

Similar Homes