548 Beach Dr, Aptos, CA, 95003
About This Home
Customizable Luxury Beach Home! A rare opportunity to make this Your Dream Beach Home, currently under construction, to suit your unique lifestyle! Whether it's a personal gym, home office, or multi-generational living space, the flexible floor plan is perfect for your vision. Nestled behind the private gates of Rio Surf & Sands, low-key and tucked away. No crowds or through trafficideal for someone who values peace and discretion. With direct access to miles of pristine sandy beaches, this property offers an unparalleled coastal lifestyle. Set on a generously sized lot boasting 120 feet of coveted Beach Drive frontage, the home is perched at a higher elevation, affording breathtaking 180-degree panoramic views stretching from Pacific Grove to Santa Cruz. Designed with modern living in mind, the home features multiple indoor and outdoor living spaces, expansive decks, and an elevator. With garage space for 5 cars and additional off-street parking for up to 7 vehicles, there's ample room for family and guests. Additionally, the property offers excellent income potential, taking advantage of the strong vacation rental market in Rio Del Mar. You can't beat beach living. Don't miss the chance to personalize your ideal beach retreat in one of our most desirable coastal communities!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Pillar/Post/Pier
- Roof: Flat
Type & Style
- Home type: SingleFamily
- Architectural style: Modern/HighTech
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Gas Cooktop,Dishwasher,Exhaust Fan,Disposal,Built In Oven,Refrigerator
- Laundry features: Inside,In Utility Room
Bathroom
- Features: DoubleSinks, PrimaryStallShowers, ShowerandTub, StallShower, TubinPrimaryBedroom, UpdatedBaths
Bedroom
- Features: PrimarySuiteRetreat2plus, ReverseFloorPlan, WalkinCloset, PrimaryBedroom2plus
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 6
- Full bathrooms: 5
- 1/2 bathrooms: 1
Dining Room
- Features: BreakfastBar, DiningAreainLivingRoom, DiningBar, EatinKitchen
Family Room
- Features: KitchenFamilyRoomCombo
Features
- Wet Bar,Walk-In Closet(s)
- Flooring: Hardwood,Tile
- Number of fireplaces: 1
- Fireplace features: Gas,Living Room
Heating & Cooling
- Heating features: Electric,Radiant
- Cooling features: None
Interior Area
- Total structure area: 4,344
- Total interior livable area: 4,344 sqft
Kitchen
- Features: ExhaustFan, Island, IslandwithSink
Property
Accessibility
- Accessibility features: Elevator/Lift
Details
- Parcel number: 04315271000
- Zoning: RB
- Special condition: Standard
Features
- Stories: 3
- Exterior features: Barbecue
- Has view: Yes
- View description: Bay,City Lights,Ocean,Water
- Has water view: Yes
- Water view: Bay,Ocean,Water
Lot
- Lot size: 0.32 Acres
- Features: Hillside,Sloped Up
Parking
- Total spaces: 7
- Parking features: Attached,Covered,Guest,Off Street
- Has garage: Yes
- Attached garage spaces: 5
- Covered spaces: 5
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 | $44,993 | $539,916 |
| Home Insurance * | $1,191 | $14,292 |
| Property Taxes | $8,478 | $101,736 |
| Electricity | $931 | $11,178 |
| Total | $55,593 | $667,116 |
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 |
|---|---|---|
| 2026-05-27 | Listed for sale | $8,898,000 |
| 2020-08-31 | Sold | $1,231,000 |
| 2020-08-13 | Pending sale | $1,299,000 |
| 2020-07-26 | Listed for sale | $1,299,000 |
| 2020-07-08 | Pending sale | $1,299,000 |
| 2020-06-17 | Listed for sale | $1,299,000 |
| 2015-07-01 | Sold | $1,067,500 |
| 2014-08-15 | Listed for sale | $749,000 |
| 2012-05-06 | Listing removed | $650,000 |
| 2011-02-24 | Listed for sale | $650,000 |
| 2011-01-09 | Listing removed | $650,000 |
| 2010-11-25 | Listed for sale | $650,000 |
| 2009-02-19 | Sold | $125,000 |
View on Zillow