1326 Santa Cruz Dr, Minden, NV, 89423
About This Home
Live above the city. Buy below the bank. At 1326 Santa Cruz Drive, you can have the view and keep six figures in your pocket. This exceptional property offers a seller financing option, a rare opportunity that can save buyers significant interest payments when compared to today's market rates. For buyers who don't want to overpay banks and would rather build real equity, this creates a dramatically lower true cost of ownership than competing homes. Set high above the street on a highly coveted stretch of Santa Cruz Drive, this home delivers a rural, palatial estate feel with unobstructed Sierra Nevada views, endless sunshine, and open vistas in every direction. With no HOA, you'll enjoy total freedom and privacy while remaining close to town. Nearly every room captures the views, filling the home with natural light and a constant connection to the surrounding landscape. Two fireplaces add warmth and ambiance, while expansive windows frame the mountains and city below. The sellers have made major investments in landscaping and outdoor living, creating a true retreat ideal for entertaining or quiet evenings under the stars. The oversized corner lot offers exceptional flexibility, with room to add an ADU, pool, or sports court—perfect for long-term value and lifestyle expansion. Practical features complete the package, including RV parking, a huge 3-car garage, and the peace of mind of being connected to city sewer (completed just two years ago). With unmatched views, flexible land, no HOA, rare financing terms, and a premier elevated location, 1326 Santa Cruz Drive stands apart as one of the most unique and financially strategic opportunities on the market.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1993
Materials
- Foundation: Crawl Space
- Roof: Composition,Pitched,Shingle
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,ENERGY STAR Qualified Appliances,Gas Cooktop,Gas Range,Microwave,Oven,Washer
- Laundry features: Cabinets,Laundry Room,Shelves,Sink,Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Breakfast Bar,Entrance Foyer,Pantry,Vaulted Ceiling(s),Walk-In Closet(s)
- Window features: Blinds,Double Pane Windows,Rods,Vinyl Frames
- Flooring: Carpet,Ceramic Tile,Laminate
- Fireplace features: Gas,Insert
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: ENERGY STAR Qualified Equipment,Fireplace(s),Forced Air,Natural Gas
- Cooling features: Attic Fan,Central Air,ENERGY STAR Qualified Equipment
Interior Area
- Total structure area: 2,676
- Total interior livable area: 2,676 sqft
Property
Details
- Parcel number: 142021810006
- Zoning: SF
- Special condition: Agent Owned
Features
- Levels: Two
- Stories: 2
- Patio & porch: Porch,Covered,Patio,Deck
- Exterior features: Balcony,Dog Run,Rain Gutters
- Spa features: None
- Fencing: Partial
- Has view: Yes
- View description: Desert,Meadow,Mountain(s),Ski Resort,Trees/Woods,Valley
Lot
- Lot size: 0.70 Acres
- Features: Corner Lot,Cul-De-Sac,Gentle Sloping,Landscaped,Sloped Down,Sprinklers In Front,Sprinklers In Rear
Parking
- Total spaces: 8
- Parking features: Additional Parking,Attached,Garage,Garage Door Opener,Parking Pad,RV Access/Parking
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Wildfire
- Winter Weather
- Inland Flooding
- Lightning
- Drought
- Heat Wave
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Nevada Counties
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 | $4,955 | $59,460 |
| Home Insurance | $174 | $2,088 |
| Property Taxes | $1,658 | $19,896 |
| Electricity | $249 | $2,996 |
| Total | $7,036 | $84,432 |
Income You'd Need if You Spent...
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 |
|---|---|---|
| 2026-03-17 | Price change | $979,888 |
| 2026-01-29 | Price change | $1,029,888 |
| 2025-11-20 | Listed for sale | $1,030,000 |
| 2007-06-01 | Sold | $515,000 |
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