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607 Saint Andrews Dr, Aptos, CA, 95003

4beds
3baths
3,139sqft
$2,350,000
$749price/sqft
$15,289/moest. monthly cost
$611,560/yrincome needed

About This Home

In the heart of Rio Del Mar, where luxury, space, and breathtaking scenery come together in perfect harmony. Recently updated and thoughtfully refreshed, this stunning 4-bedroom residence offers expansive living with generously sized rooms, soaring vaulted ceilings, and an abundance of natural light. Designed for both comfort and entertaining, the open-concept layout creates a seamless flow between living spaces while framing spectacular ocean and golf course views from multiple rooms and decks. From the remodeled kitchen, prepare breakfast, lunch and dinner with sweeping Monterey Bay views! Perched on a large parcel, the property provides rare privacy and room to breathe, whether you're hosting gatherings, gardening, or simply enjoying the peaceful coastal setting. From sunrise over the fairways to sunset over the Pacific, every day feels like a getaway. Ideally situated just moments from the renowned Seascape Golf Course, enjoy easy access to the course and clubhouse. Indulge in local dining at Bittersweet Bistro, explore the scenic trails of The Forest of Nisene Marks State Park, and spend your days soaking up the sun along the beautiful South County beaches. This exceptional Rio Del Mar home offers the best of California living, views, space, and an unbeatable location.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

9/10
5/10
Aptos Junior High SchoolGrades 7-80.9 mi
8/10
Aptos High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Concrete Perimeter and Slab
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Disposal,Double Oven,Refrigerator
  • Laundry features: Tub/Sink,Inside,In Utility Room

Bathroom

  • Features: DoubleSinks, Marble, PrimaryStallShowers, ShoweroverTub1, Tile, UpdatedBaths, FullonGroundFloor, PrimaryOversizedTub

Bedroom

  • Features: PrimarySuiteRetreat, WalkinCloset, BedroomonGroundFloor2plus

Bedrooms & Bathrooms

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

Dining Room

  • Features: BreakfastNook, EatinKitchen, FormalDiningRoom, Skylights

Family Room

  • Features: SeparateFamilyRoom

Features

  • Dumbwaiter,High Ceilings,One Or More Skylights,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Laminate,Tile
  • Number of fireplaces: 2
  • Fireplace features: Gas,Gas Starter,Living Room,Primary Bedroom,Two Way

Heating & Cooling

  • Heating features: Central Forced Air Gas,Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 3,139
  • Total interior livable area: 3,139 sqft

Kitchen

  • Features: Countertop_Marble

Property

Details

  • Parcel number: 05319104000
  • Zoning: R-1-10
  • Special condition: Standard

Features

  • Pool features: Sauna or Steam Room
  • Patio & porch: Balcony/Patio,Deck
  • Exterior features: Back Yard,Fenced,Drought Tolerant Plants
  • Spa features: Other,Cover
  • Fencing: Back Yard,Gate,Wood
  • Has view: Yes
  • View description: Bay,Golf Course,Ocean
  • Has water view: Yes
  • Water view: Bay,Ocean

Lot

  • Lot size: 10,149 sqft

Parking

  • Total spaces: 4
  • Parking features: Attached,Garage Door Opener
  • 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

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 $11,882$142,584
Home Insurance *$314$3,768
Property Taxes $2,420$29,040
Electricity $673$8,077
Total$15,289$183,468
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$524,194/yr
40% on housing$458,670/yr
45% on housing$407,706/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

$749This listing

vs Other Active Listings

Avg $/sqft

ZIP 95003$686
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95003$821
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
2026-02-24Listed for sale$2,559,000
2011-01-04Listing removed$945,000
2010-09-03Price change$945,000
2010-05-27Listed for sale$989,000
2010-02-28Listing removed$989,000
2010-01-26Price change$989,000
2009-10-04Price change$1,075,000
2009-08-16Listed for sale$1,145,000
2001-08-16Sold$549,467
2000-12-05Sold$400,000
1998-06-11Sold$605,000

For Sale by Agent

AgentGenie Lawless
BrokerageDavid Lyng Real Estate

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