Rare coastal investment opportunity on Santa Cruz's highly desirable Lower Westside, just one block from the ocean and iconic West Cliff Drive. Steps from Lighthouse Field State Beach and the popular Steamer Lane Supply restaurant, this prime location consistently attracts strong rental demand driven by lifestyle, walkability, and proximity to Monterey Bay. One of the largest duplexes this close to the ocean, the property features a 3BD/2BA upper unit and a 2BD/2BA lower unit with a bonus room that functions as a third bedroom, maximizing rental flexibility and income potential. Each unit includes a private 2-car garage, a rare and valuable amenity for tenants near the coast. The upper units private yard with jetted hot tub adds further appeal for premium rents. Flexible income strategies: rent both units for strong cash flow, short-term (buyer to verify) or long-term rental, or occupy one unit while generating income from the other. Tenants will enjoy easy access to downtown Santa Cruz, the Santa Cruz Wharf, and the Santa Cruz Beach Boardwalk, as well as immediate connectivity to coastal and mountain biking trails right from your front door. No need to load up the car. A rare combination of size, location, and versatility, an exceptional addition to any coastal portfolio.
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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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