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3021 Buckingham Ln, Santa Cruz, CA, 95062

3beds
2baths
1,364sqft
$979,000
$718price/sqft
$5,939/moest. monthly cost
$237,560/yrincome needed

About This Home

Experience the best of coastal living in this beautifully updated corner-unit townhome. Leave the car behind as you are a few minutes' walk to beaches, surf and everything in the Pleasure Point area! Nestled in Buckingham Terrace, this 1,364 sq ft, 3-bedroom, 1.5-bath home sits on the largest lot in the community, featuring an expansive, private backyard rarely found in townhome living. Whether you're entertaining, gardening, or simply lounging in the sunshine, this outdoor retreat is a true standout! Inside, the open floor plan is filled with natural light from an abundance of windows. The updated kitchen features quartz countertops, soft-close cabinets and stainless appliances. The newer, electric fireplace keeps the space cozy. Upstairs, all 3 bedrooms are nice sized and 1 features a balcony overlooking the lush backyard, expanding your outdoor living space. Additional upgrades include newer furnace, new carpet, freshly painted interior, lighting w/ mood dimmer switches, window shades, closet organizers + more. An attached garage adds convenience, while the community pool/spa complete the lifestyle. With restaurants, coffee shops, shopping, and easy Highway 1 access minutes away, this is your opportunity to enjoy the very best of Santa Cruz coastal living - don't miss out!

Getting Around

62
WalkingSomewhat Walkable
32
TransitSome Transit
95
BikeBiker's Paradise

Schools

5/10
7/10
Shoreline Middle SchoolGrades 6-80.8 mi

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Slab
  • Roof: Composition, Shingle

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Oven/Range,Refrigerator,Washer/Dryer
  • Laundry features: In Garage

Bathroom

  • Features: ShowerandTub, HalfonGroundFloor

Bedrooms & Bathrooms

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

Dining Room

  • Features: DiningArea

Family Room

  • Features: NoFamilyRoom

Features

  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Common walls with other units/homes: End Unit

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,364
  • Total interior livable area: 1,364 sqft

Property

Details

  • Parcel number: 03115235000
  • Zoning: RM-3.5
  • Special condition: Standard

Features

  • Stories: 2
  • Pool features: Community,Fenced,In Ground
  • Patio & porch: Balcony/Patio
  • Exterior features: Back Yard,Fenced,Storage Shed Structure
  • Spa features: Other,Spa/HotTub
  • Fencing: Back Yard

Parking

  • Total spaces: 1
  • Parking features: Assigned,Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

How This Home’s Risks Compare

Earthquake

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 $4,950$59,400
Home Insurance *$102$1,224
Property Taxes $489$5,868
Electricity $398$4,786
Total$5,939$71,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$203,622/yr
40% on housing$178,170/yr
45% on housing$158,373/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

$718This listing

vs Other Active Listings

Avg $/sqft

ZIP 95062$823
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95062$933
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
2026-08-05Contingent$979,000
2026-07-30Listed for sale$979,000

For Sale by Agent

AgentMarti Pepito Meyer
BrokerageChristie's International Real Estate Sereno

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