103 Green St, Santa Cruz, CA, 95060
About This Home
Exceptional investment opportunity in Santa Cruz with strong income history and flexible use potential. Formerly operated as The Adobe on Green, this distinctive property offers character, functionality, and long-term upside in a highly desirable location.The home features 6 bedrooms and 6 bathrooms, plus bonus space, each with private exterior access, an ideal setup for student housing, short-term rentals, or multi-generational living. The unique layout supports multiple income streams while maintaining privacy for occupants. Positioned just above downtown Santa Cruz, the property provides convenient access to local dining, shopping, and entertainment. Minutes to the boardwalk, beaches and UCSC, this location appeals to both residents and renters. Set on a spacious parcel just under half an acre, the property includes multiple outdoor gathering areas and energy-efficient features that enhance livability and operational value. A nearby community garden adds to the neighborhood appeal and lifestyle. A rare opportunity to acquire a property with proven income potential, versatile configuration, and a prime Santa Cruz location.
Getting Around
Walker's Paradise
Good Transit
Very BikeableSchools
Construction
Condition
- Year built: 1948
Materials
- Foundation: Permanent
- Roof: Wood
- Construction materials: Adobe
Type & Style
- Home type: SingleFamily
- Architectural style: Rustic
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Electric Oven/Range,Refrigerator
- Laundry features: In Utility Room
Bathroom
- Features: DoubleSinks, OutsideAccess, ShowerandTub, Tile, FullonGroundFloor
Bedroom
- Features: GroundFloorBedroom, BedroomonGroundFloor2plus, GroundFloorPrimaryBedroom2plus
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 6
- Full bathrooms: 6
Dining Room
- Features: DiningArea, EatinKitchen
Family Room
- Features: NoFamilyRoom
Features
- One Or More Skylights,Open Beam Ceiling
- Flooring: Carpet,Tile,Wood
- Number of fireplaces: 3
- Fireplace features: Living Room,Other
Heating & Cooling
- Heating features: Central Forced Air
- Cooling features: Ceiling Fan(s)
Interior Area
- Total structure area: 2,997
- Total interior livable area: 2,997 sqft
Kitchen
- Features: Countertop_Tile, Island
Property
Details
- Parcel number: 00640230000
- Zoning: R-1-6
- Special condition: Standard
Lot
- Lot size: 0.48 Acres
Parking
- Parking features: Off Street,Parking Area
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
- Tsunami
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 | $13,147 | $157,764 |
| Home Insurance * | $411 | $4,932 |
| Property Taxes | $2,570 | $30,840 |
| Electricity | $642 | $7,712 |
| Total | $16,770 | $201,240 |
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 |
|---|---|---|
| 2026-05-01 | Listed for sale | $2,700,000 |
| 2017-08-30 | Sold | $1,650,000 |
| 2005-07-29 | Sold | $1,525,000 |
| 1998-12-14 | Sold | $5,500 |
| 1998-09-15 | Sold | $1,000 |
| 1994-03-18 | Sold | $370,000 |
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