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

2800 Lockhart Gulch Rd, Scotts Valley, CA, 95066

5beds
4baths
3,597sqft
$3,200,000
$890price/sqft
$20,889/moest. monthly cost
$835,560/yrincome needed

About This Home

2800 Lockhart Gulch offers a rare opportunity to own an exceptional private estate in the heart of Scotts Valley. Set behind gates on approximately 35 acres of rolling meadows and majestic redwood groves, this one-of-a-kind property combines usable land, natural beauty, and close-in convenience just minutes from town. The 3,597 SF main residence features 5 bedrooms and 3.5 bathrooms with a functional layout offering both everyday livability and the opportunity to update and personalize over time. A separate studio unit with attached garage provides flexibility for guests, extended living, or a creative space. Outdoor amenities include a pool, separate spa, entertaining areas, and private trails winding through your own park-like sanctuary of towering redwoods. The land is largely usable with sunny meadows, fenced and cross-fenced horse pastures milled from redwoods harvested on the property, a tack room, and multiple flat areas ideal for equestrian use, mountain biking, sports fields, or simply enjoying the outdoors. Additional features include a well installed in 2022, a new 12x24 storage shed, an ocean-view lookout point, and a whole home generator. A truly rare Scotts Valley offering providing space, serenity, and endless lifestyle potential just minutes from Mt. Hermon Road.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

7/10
7/10
8/10
Scotts Valley High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Slab
  • Roof: Metal

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Dishwasher,Double Oven,Refrigerator,Trash Compactor,Washer/Dryer
  • Laundry features: Inside

Bathroom

  • Features: FullonGroundFloor

Bedroom

  • Features: WalkinCloset

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: DiningArea

Family Room

  • Features: SeparateFamilyRoom

Features

  • High Ceilings,One Or More Skylights,Open Beam Ceiling,Walk-In Closet(s)
  • Flooring: Carpet,Other,Wood
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Gas,Living Room,Wood Burning

Heating & Cooling

  • Heating features: Central Forced Air
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total structure area: 3,597
  • Total interior livable area: 3,597 sqft

Kitchen

  • Features: Countertop_Tile

Property

Details

  • Parcel number: 07312114000
  • Zoning: RA
  • Special condition: Standard
  • Horse amenities: CrossFenced,Fenced,Stalls

Features

  • Pool features: In Ground
  • Spa features: Other,Spa/HotTub
  • Has view: Yes
  • View description: Forest/Woods,Mountain(s),Pasture
  • Horses can be raised: Yes

Lot

  • Lot size: 35.09 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Parking Area
  • 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
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
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 $16,180$194,160
Home Insurance *$631$7,572
Property Taxes $3,307$39,684
Electricity $771$9,255
Total$20,889$250,668
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$716,194/yr
40% on housing$626,670/yr
45% on housing$557,040/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

$890This listing

vs Other Active Listings

Avg $/sqft

ZIP 95066$597
Santa Cruz County$619

vs Homes Sold Last Month

Median $/sqft

ZIP 95066$719
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
2026-08-13Price change$2,975,000
2026-06-16Listed for sale$3,200,000

For Sale by Agent

AgentGreg Lukina
BrokerageDavid Lyng Real Estate

Similar Homes