For sale

$815,000

163 Harbor Oaks Cir, Santa Cruz, CA 95062

3beds

1,218sqft

$6,086/mo

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Condominium, Residential

Built in 1978

-- sqft lot

$799,300 Zestimate^®

$669/sqft

$582/mo HOA

What's special

Move in ready! Back part of Harbor Oaks, quiet and serene close to private gate entrance to Jose Park. Remodeled with new flooring, appliances, kitchen, lighting, paint and garden. Close to yacht harbor, trails, great commute location and community has a pool, green belts and lots of parking. 8 storage closets surround the 2 carports spaces with a door directly into your cute , enclosed backyard patio.

15 days

1,352

67

Facts & features

Interior

Bedrooms & bathrooms

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

Bathroom

Features: DoubleSinks, ShowerandTub, UpdatedBaths

Dining room

Features: BreakfastBar, EatinKitchen, NoFormalDiningRoom

Family room

Features: SeparateFamilyRoom

Kitchen

Features: _220VoltOutlet, Pantry

Heating

Central Forced Air

Cooling

Ceiling Fan(s)

Appliances

Included: Dishwasher, Disposal, Microwave, Gas Oven/Range
Laundry: Gas Dryer Hookup, Inside

Features

Flooring: Carpet, Vinyl Linoleum, Wood

Interior area

Total structure area: 1,218
Total interior livable area: 1,218 sqft

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Property

Parking

Total spaces: 2
Parking features: Carport, Guest
Carport spaces: 2

Accessibility

Accessibility features: Parking

Features

Stories: 2
Pool features: Community, In Ground
Fencing: Back Yard

Details

Parcel number: 02634115000
Zoning: RM-3
Special conditions: Standard

Construction

Type & style

Home type: Condo
Architectural style: Contemporary
Property subtype: Condominium, Residential

Materials

Foundation: Slab
Roof: Composition

Condition

New construction: No
Year built: 1978

Utilities & green energy

Gas: PublicUtilities
Sewer: Public Sewer
Utilities for property: Public Utilities

Community & HOA

HOA

Has HOA: Yes
Amenities included: Community Pool, Garden Greenbelt Trails
HOA fee: $582 monthly

Location

Region: Santa Cruz

Financial & listing details

Price per square foot: $669/sqft
Tax assessed value: $470,711
Annual tax amount: $6,930
Date on market: 7/14/2026
Listing agreement: ExclusiveRightToSell
Listing terms: CashorConventionalLoan

Estimated market value

$799,300

$759,000 - $839,000

$4,553/mo

Price history

Date	Event	Price
7/14/2026	Listed for sale	$815,000+150.8%$669/sqft
Source: MLSListings Inc #ML82053360 Report a problem
3/20/2003	Sold	$325,000+62.5%$267/sqft
Source: Public Record Report a problem
12/3/1999	Sold	$200,000$164/sqft
Source: Public Record Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$6,930 +5.1%	$470,711 +2%
2024	$6,594 +4.8%	$461,481 +2%
2023	$6,291 +2.6%	$452,433 +2%
2022	$6,130 +4.3%	$443,562 +2%
2021	$5,876 +1.2%	$434,865 +1%
2020	$5,805 +2.2%	$430,406 +2%
2019	$5,682 +1.9%	$421,966 +2%
2018	$5,573 +2%	$413,693 +2%
2017	$5,464 +2.3%	$405,581 +2%
2016	$5,342 +2.7%	$397,628 +1.5%
2015	$5,199 +8.2%	$391,655 +10%
2014	$4,806	$355,909 +24.6%
2012	--	$285,572 -6%
2011	--	$303,800 -2%
2010	--	$310,000 -7.5%
2009	--	$335,000 -6.5%
2008	--	$358,360 +2%
2007	--	$351,333 +2%
2006	--	$344,444 +2%
2005	--	$337,690 +2%
2004	--	$331,068 +56.1%
2003	--	$212,136 +2%
2002	--	$207,976 +2%
2001	--	$203,898 +2%
2000	--	$199,900

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.

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Climate risks

Neighborhood: 95062

Getting around

69 / 100

Somewhat Walkable

39 / 100

Some Transit

73 / 100

Very Bikeable

Nearby schools

GreatSchools rating

6/10
Green Acres Elementary School
Grades: K-5Distance: 0.5 mi
7/10
Shoreline Middle School
Grades: 6-8Distance: 0.7 mi
NA
Special Education Preschool
Grades: Distance: 0.6 mi

Schools provided by the listing agent

Elementary: GreenAcresElementary_1
Middle: ShorelineMiddle
High: HarborHigh
District: LiveOakElementary

Source: MLSListings Inc. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.