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2127 Penasquitas Dr, Aptos, CA, 95003

2beds
2baths
1,450sqft
$960,000
$662price/sqft
$6,479/moest. monthly cost
$259,160/yrincome needed

About This Home

In the heart of Aptos, between the redwoods and the Monterey Bay, just minutes from Seascape and one of California's longest, most beautiful beaches, this exceptional location offers miles of coastline, scenic trails, world-class surfing, and endless opportunities to enjoy the outdoors. Escape to your beautifully updated beach retreat tucked away on a quiet cul-de-sac surrounded by natural beauty. Step inside to soaring vaulted ceilings with plantation shutters and a wood-clad gas fireplace. A few steps up, the dining area flows seamlessly into the well-designed kitchen with an expansive bay window overlooking lush landscaping. This level also features a spacious bedroom and updated full bath. Double doors open to a private backyard with a large entertaining deck, soothing hot tub, new patio, and generous lawn. Upstairs, a versatile landing is ideal for an office, fitness space, or play area. The expansive primary suite offers a walk-in closet, spa-inspired bath, and an unexpected private rooftop deck. Welcome to 2127 Penasquitas Drive, where contemporary comfort meets a relaxed coastal lifestyle.

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
53
BikeBikeable

Schools

9/10
5/10
Aptos Junior High SchoolGrades 7-82.1 mi
8/10
Aptos High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Concrete Perimeter and Slab
  • Roof: Composition

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: DiningArea

Family Room

  • Features: NoFamilyRoom

Features

  • Fireplace features: Living Room

Heating & Cooling

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

Interior Area

  • Total structure area: 1,450
  • Total interior livable area: 1,450 sqft

Property

Details

  • Parcel number: 05429101000
  • Zoning: RM-3
  • Special condition: Standard

Lot

  • Lot size: 741 sqft

Parking

  • Total spaces: 1
  • Parking features: Detached
  • 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 $4,854$58,248
Home Insurance *$128$1,536
Property Taxes $1,099$13,188
Electricity $398$4,786
Total$6,479$77,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$222,137/yr
40% on housing$194,370/yr
45% on housing$172,773/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

$662This listing

vs Other Active Listings

Avg $/sqft

ZIP 95003$689
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
2026-07-20Price change$960,000
2026-06-26Listed for sale$980,000
2020-09-16Sold$734,000
2020-08-13Pending sale$734,000
2020-08-02Price change$734,000
2020-05-08Listed for sale$747,000
2018-07-31Sold$685,000
2018-07-11Pending sale$699,000
2018-06-14Listed for sale$699,000
2018-06-13Pending sale$699,000
2018-05-31Listed for sale$699,000
2006-01-20Sold$629,000

For Sale by Agent

AgentDaniel Oster
BrokerageColdwell Banker Realty

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