322 Arthur Ave, Aptos, CA, 95003
About This Home
RARE APTOS OPPORTUNITY: Permitted Remodel Ready for Your Finishes! Transform this down-to-the-studs project into your dream home in one of Aptos' most desirable neighborhoods—building permit in hand! The expensive infrastructure is DONE: brand new 40-year roof, complete HVAC system, all new rough electrical and plumbing, and new framing. Over $350,000 already invested. Simply complete with insulation, drywall, finish electrical/plumbing, flooring, bathrooms and kitchen (estimates $150K-$225K depending on finishes). This motivated out-of-area seller took on more than expected—her loss is your gain! Essentially build a NEW custom home at a fraction of the cost while controlling every finish. Perfect for savvy buyers, contractors, or anyone wanting custom quality without custom prices. Don't miss this chance to create instant equity in premium Aptos!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: New Construction
- New construction: Yes
- Year built: 1975
Materials
- Foundation: Concrete Perimeter
- Construction materials: Lap Siding,Frame
Type & Style
- Home type: SingleFamily
- Architectural style: None
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Tankless Water Heater
- Laundry features: Gas Dryer Hookup,In Garage
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Flooring: None
- Fireplace features: None
Heating & Cooling
- Heating features: Forced Air,Zoned
- Cooling features: Central Air,None
Interior Area
- Total structure area: 2,390
- Total interior livable area: 2,390 sqft
Kitchen
- Features: None
Property
Details
- Parcel number: 04419227000
- Special condition: Standard
Features
- Levels: Two Story
- Stories: 2
- Pool features: Other
- Exterior features: Back Yard
- Fencing: Partial
Lot
- Lot size: 7,623 sqft
- Features: On Golf Course,Sloped Down,Back Yard,Private
Parking
- Total spaces: 2
- Parking features: Garage
- 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
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 | $6,573 | $78,876 |
| Home Insurance * | $174 | $2,088 |
| Property Taxes | $650 | $7,800 |
| Electricity | $512 | $6,150 |
| Total | $7,909 | $94,908 |
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 |
|---|---|---|
| 2025-11-22 | Listed for sale | $1,300,000 |
| 2024-03-13 | Sold | $900,000 |
| 2024-02-09 | Pending sale | $949,900 |
| 2024-01-19 | Listed for sale | $949,900 |
View on Zillow