304 Ginger Ln, Scotts Valley, CA, 95066
About This Home
Built just 6 years ago, this beautifully designed End-Unit Townhome is one of only a few in the development with an oversized yard space! The versatile floor plan offers a separate Family Room on the first floor that can easily function as a private office or 4th bedroom. High ceilings and abundant windowsfill the home with natural light throughout. The open-concept second floor is ideal for entertaining, featuring a spacious Living Room, private balcony with distant mountain views, and a stunning kitchen with a large Quartz Island, elegant white cabinetry, stainless steel appliances, and seamless flow into the dining area. Also on this level are a convenient half bath, laundry closet, and a versatile nook perfect for a home office, coffee bar, or additional flex space. The spacious Primary Suite features a walk-in closet and private En Suite with dual sinks and a large frameless glass shower. Two additional guest bedrooms and full bath complete the upper level. Relax in your gated patio oasis with paver patio and low-maintenance yardperfect for evenings around the fire-table. Additional amenities include A/C, Solar, and a Tesla EV charger. Conveniently located with award-winning schools nearby and an excellent commute location. Truly a special home!
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 2020
Materials
- Foundation: Slab
- Roof: Composition
Type & Style
- Home type: Townhouse
- Property subType: Townhouse,Residential
Interior
Appliances
- Appliances included: Microwave,Electric Oven/Range,Refrigerator,Washer/Dryer
- Laundry features: Inside
Bathroom
- Features: DoubleSinks, PrimaryStallShowers, ShoweroverTub1
Bedroom
- Features: PrimarySuiteRetreat, WalkinCloset
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Features: DiningArea
Family Room
- Features: SeparateFamilyRoom
Features
- Walk-In Closet(s)
Heating & Cooling
- Heating features: Central Forced Air
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 2,164
- Total interior livable area: 2,164 sqft
Kitchen
- Features: IslandwithSink
Property
Details
- Parcel number: 02438107000
- Zoning: RM
- Special condition: Standard
Features
- Stories: 2
- Patio & porch: Balcony/Patio
- Fencing: Front Yard
Parking
- Total spaces: 2
- 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
- Earthquake
- Inland Flooding
- Landslide
- Wildfire
- Heat Wave
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 | $5,557 | $66,684 |
| Home Insurance * | $217 | $2,604 |
| Property Taxes | $1,138 | $13,656 |
| Electricity | $464 | $5,568 |
| Total | $7,376 | $88,512 |
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 |
|---|---|---|
| 2026-07-11 | Price change | $1,099,000 |
| 2026-05-24 | Listed for sale | $1,150,000 |
| 2020-01-24 | Listing removed | $779,990 |
| 2020-01-14 | Pending sale | $779,990 |
| 2019-11-19 | Listed for sale | $779,990 |
| 2019-09-10 | Listing removed | $789,990 |
| 2019-08-08 | Listed for sale | $789,990 |
View on Zillow