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11785 E Zayante Rd, Felton, CA, 95018

5beds
3baths
1,364sqft
$1,049,000
$769price/sqft
$6,498/moest. monthly cost
$259,920/yrincome needed

About This Home

Have you been dreaming of a multi-generational property or a place to generate extra income? Two full separate dwellings. This enchanting 3+ acre retreat offers a rare opportunity to enjoy both. Cross your own private fire-rated bridge and arrive at three sprawling creekside acres featuring majestic redwoods, a thriving orchard, and established gardens. The setting feels truly magical, with a perfect balance of sun and shade for year round outdoor enjoyment.The main home has been meticulously cared for and thoughtfully upgraded, featuring cork flooring, a beautifully remodeled kitchen and bathrooms, a cozy Jotul fireplace, a new roof, an enhanced septic system, and an upgraded and perfectly maintained water system.The separate cabin offers its own inviting charm, complete with a spacious front entry, updated interiors, and a dedicated utility room ideal for guests, extended family, or rental potential. Whether you're seeking peaceful living, investment opportunities, or a private retreat surrounded by nature, this unique property delivers.20 minutes to Santa Cruz and 30 to the bay area. Avoid traffic using Upper Zayante to Bear Creek road.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1962

Materials

  • Foundation: Concrete Perimeter,Concrete Perimeter and Slab
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range Hood,Other,Gas Oven/Range,Refrigerator
  • Laundry features: Inside

Bathroom

  • Features: PrimaryStallShowers, ShowersoverTubs2plus, UpdatedBaths

Bedroom

  • Features: PrimarySuiteRetreat, WalkinCloset

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: EatinKitchen

Family Room

  • Features: NoFamilyRoom

Features

  • Walk-In Closet(s)
  • Flooring: Hardwood,Other,Tile,Vinyl Linoleum
  • Number of fireplaces: 2
  • Fireplace features: Gas,Living Room

Heating & Cooling

  • Heating features: Central Forced Air Gas,Other,Propane Stove
  • Cooling features: None

Interior Area

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

Kitchen

  • Features: Countertop_SolidSurfceCorian, Other

Property

Details

  • Parcel number: 07401132000
  • Zoning: SU
  • Special condition: Standard
  • Horse amenities: Unimproved

Features

  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Storage Shed Structure,Drought Tolerant Plants
  • Fencing: Mixed Height Type,Partial

Lot

  • Lot size: 3.10 Acres
  • Features: Farm Animals Permitted

Parking

  • Parking features: Common,Other,Parking Area,Oversized

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

  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Landslide
Wildfire
Heat Wave

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 $5,304$63,648
Home Insurance *$272$3,264
Property Taxes $524$6,288
Electricity $398$4,786
Total$6,498$77,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$222,788/yr
40% on housing$194,940/yr
45% on housing$173,280/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

$769This listing

vs Other Active Listings

Avg $/sqft

ZIP 95018$430
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95018$592
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
2026-08-06Contingent$1,049,000
2026-07-28Listed for sale$1,049,000

For Sale by Agent

AgentHeidi Hart
BrokerageCalifornia Dreaming

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