643 Beach Dr, Aptos, CA, 95003
About This Home
Immaculate 3/3.5 home located behind the gates with dramatic ocean views and 50 steps to the sand! Don't miss this superbly built home with ocean views from almost every room.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2007
Materials
- Foundation: Concrete Perimeter and Slab,Steel Frame
- Roof: Flat, Polyurethane
- Construction materials: Concrete
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Gas Cooktop,Dishwasher,Exhaust Fan,Disposal,Range Hood,Built In Gas Oven/Range,Refrigerator,Wine Refrigerator,Washer/Dryer
- Laundry features: Inside
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Features: DiningArea
Family Room
- Features: SeparateFamilyRoom
Features
- Flooring: Wood
- Number of fireplaces: 1
- Fireplace features: Gas,Gas Log,Primary Bedroom
Heating & Cooling
- Heating features: Radiant Floor
- Cooling features: None
Interior Area
- Total structure area: 2,550
- Total interior livable area: 2,550 sqft
Kitchen
- Features: ExhaustFan, Pantry
Property
Details
- Parcel number: 04316143000
- Zoning: RB
- Special condition: Standard
Features
- Patio & porch: Balcony/Patio
- Exterior features: Barbecue
- Has view: Yes
- View description: Ocean
- Has water view: Yes
- Water view: Ocean
Lot
- Lot size: 4,835 sqft
Parking
- Total spaces: 3
- Parking features: Attached
- 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
- Inland Flooding
- Tsunami
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 | $27,785 | $333,420 |
| Home Insurance * | $735 | $8,820 |
| Property Taxes | $5,411 | $64,932 |
| Electricity | $546 | $6,561 |
| Total | $34,477 | $413,724 |
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 |
|---|---|---|
| 2026-05-01 | Listed for sale | $5,495,000 |
| 2012-08-24 | Sold | $2,800,000 |
| 2012-05-02 | Price change | $3,250,000 |
| 2012-02-08 | Price change | $3,495,000 |
| 2012-01-09 | Listed for sale | -- |
| 2011-04-05 | Sold | $32,500 |
| 2011-03-11 | Listed for sale | $3,295,000 |
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