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4160 Jade St Spc 13, Capitola, CA, 95010

2beds
2baths
1,050sqft
$545,000
$519price/sqft
$3,908/moest. monthly cost
$156,320/yrincome needed

About This Home

Priceless Capitola Location Life is simply better at the beach. Perfectly positioned in one of Capitola's most sought-after locations, this inviting 2-bedroom, 2-bath home lets you trade traffic for morning strolls, sunset walks, & the easy rhythm of coastal living. Inside, the bright, comfortable floor plan features a spacious living room with offset dining room. The primary suite includes built in cabinetry, a large en-suite bath and walk-in closet, while the 2nd bedroom & full bath offer flexibility for guests, hobbies, or an office. Located in a resident-owned & Land Owned, 55+ community, you'll own the 2,744± sq. ft. lot, rare advantage and enjoy resort-style amenities including a clubhouse, pool, spa, and a full calendar of social activities. Step outside and leave the car behind. Jade Street Park, the Capitola Community Center, local cafés, restaurants, shopping, a movie theater, In-Shape Fitness, and New Leaf Market are all nearby. Spend your mornings browsing Capitola Village, your afternoons at Pleasure Point, and your evenings watching the sunset over the Monterey Bay. Whether you're looking for a full-time residence or the ultimate low-maintenance beach retreat, this is your opportunity to embrace the Capitola lifestyle where every day feels a little like vacation.

Getting Around

80
WalkingVery Walkable
0
TransitVery Limited Transit
95
BikeBiker's Paradise

Schools

6/10
Soquel Elementary SchoolGrades K-51.2 mi
7/10

Construction

Condition

  • Year built: 1964

Materials

  • Roof: Metal

Type & Style

  • Home type: MobileManufactured
  • Property subType: Double Wide Mobile Home,ManufacturedinPark

Interior

Appliances

  • Appliances included: Dishwasher,Range Hood,Gas Oven/Range,Refrigerator
  • Laundry features: Hookups Only

Bathroom

  • Features: ShowerandTub, Skylight, StallShower

Bedroom

  • Features: WalkinCloset

Bedrooms & Bathrooms

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

Dining Room

  • Features: DiningArea

Family Room

  • Features: SeparateFamilyRoom

Features

  • Walk-In Closet(s)
  • Flooring: Carpet,Other,Vinyl Linoleum
  • Fireplace features: None

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: None

Interior Area

  • Total structure area: 1,050
  • Total interior livable area: 1,050 sqft

Kitchen

  • Features: PantryCabinet

Property

Details

  • Parcel number: 03410213
  • Lease amount: 0
  • Special condition: Standard

Features

  • Stories: 1
  • Pool features: Community

Parking

  • Total spaces: 2
  • Parking features: Carport,Guest,Parking Restrictions
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding

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 $2,755$33,060
Home Insurance *$46$552
Property Taxes $709$8,508
Electricity $398$4,786
Total$3,908$46,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$133,988/yr
40% on housing$117,240/yr
45% on housing$104,213/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

$519This listing

vs Other Active Listings

Avg $/sqft

ZIP 95010$793
Santa Cruz County$621

vs Homes Sold Last Month

Median $/sqft

ZIP 95010$1,347
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
2026-08-17Contingent$545,000
2026-07-31Listed for sale$545,000
2010-06-04Sold$220,000
1997-08-20Sold$115,500

For Sale by Agent

AgentTeresa Marlow
BrokerageCompass

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