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28 Eugenia Ave #28, Aptos, CA, 95003

3beds
2baths
1,344sqft
$599,000
$446price/sqft
$3,805/moest. monthly cost
$152,200/yrincome needed

About This Home

Spacious living in stellar all age park! Own the parcel of land beneath without space rent. Home has many inviting upgrades featuring a beautiful custom kitchen with granite countertops, new range, new dishwasher, new sheet vinyl flooring, a skylight and garden window. Two full baths have been remodeled. Large living and dining areas feature newer windows and new wooden blinds. Newer laminate flooring and new lighting fixtures are throughout the home. New front Trex decking provides a welcoming area to relax. Backyard has room for a garden of your choosing along with several well established fruit trees. Pets are welcome! Interior, exterior, and driveway have all just been painted. In addition, Aptos Pines offers a large clubhouse, pool, spa, and playground. There is also the potential to rent this unit out. This property, park, and Aptos location makes 28 Eugenia a wonderful place to call home.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

8/10
5/10
Aptos Junior High SchoolGrades 7-80.8 mi
8/10
Aptos High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1971

Materials

  • Roof: Metal

Type & Style

  • Home type: MobileManufactured
  • Property subType: Double Wide Mobile Home,ManufacturedinPark

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Electric Oven,Electric Oven/Range
  • Laundry features: Hookups Only

Bedrooms & Bathrooms

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

Dining Room

  • Features: DiningL, DiningAreainLivingRoom, EatinKitchen

Family Room

  • Features: NoFamilyRoom

Heating & Cooling

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

Interior Area

  • Total structure area: 1,344
  • Total interior livable area: 1,344 sqft

Kitchen

  • Features: Countertop_Granite, PantryCabinet, Skylights

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04153613000
  • Lease amount: 0
  • Special condition: Standard

Features

  • Stories: 1
  • Pool features: Community

Parking

  • Total spaces: 2
  • Parking features: Carport
  • Covered spaces: 2
  • 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
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Drought
Inland Flooding
Wildfire
Landslide

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 $3,028$36,336
Home Insurance *$80$960
Property Taxes $299$3,588
Electricity $398$4,786
Total$3,805$45,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,457/yr
40% on housing$114,150/yr
45% on housing$101,466/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

$446This listing

vs Other Active Listings

Avg $/sqft

ZIP 95003$692
Santa Cruz County$621

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
2026-07-24Price change$599,000
2026-06-19Listed for sale$619,000
2019-01-11Sold$365,000
2018-12-18Pending sale$375,000
2018-10-12Price change$375,000
2018-07-26Listed for sale$399,900
2013-10-12Listing removed$199,000
2013-09-22Listed for sale$199,000

For Sale by Agent

AgentTamara Cook
BrokerageSanta Cruz Estates

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