122 Ocean Street Santa Cruz, CA ^$ 1,099,000

122 Ocean Street

^$ 1,099,000

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122 Ocean Street

Santa Cruz, CA, 95060

^$ 1,099,000

Studio Baths0.0 Sq 1,300

Monthly Estimate*

^$ 6,856

Listed by Monterey Bay Properties

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Studio

Multi-Family Home for sale in Santa Cruz, CA

for $1,099,000. This 1,300 square foot home was built in 1992 on a lot size of 0.079.

Postcard view of the Boardwalk makes this a fun property to own! It is a legal duplex which makes it even better. Downstairs is a 3bd/1.5 BA,Open living-kitchen, high ceilings and LVT flooring makes maintenance worry-free. There is a sweet backyard as well. The upstairs apartment has coved ceilings, an open floorplan, walk-in closet and a bonus room that is perfect for an office. The Views of the Iconic Boardwalk adds charm to everyday. Nice front porch is perfect for outdoor dining. The location cannot be beat! Boardwalk, Downtown,The Yacht Harbor and Surfing are all within easy reach by foot, bike, or scooter. Head up to Henry Cowell for a hike. This home is all about having fun!

Multi-Family Pending

Price

^$ 1,099,000

Bedrooms

Studio

Property Type

Multi-Family

Taxes

^$ 13,800

Style

Lot Size

0.079

Year Built

1992

Town/City

Santa Cruz

County/Region

Santa Cruz

MLS | Web ID

ML81916735

Days on Market

1,052

Features

General

Living Area 1300

Cooling None

Possession Close Of Escrow

Roof Composition

Zoning R

Garage Spaces 1

Year Built 1992

View Park/Greenbelt

Property Subtype Duplex

Accessibility None

County Santa Cruz

Insurance Expense 2500

Property Type Residential Income

HOA 0

MaintenanceExpense 1000

Garage Y/N 1

Special Listing Conditions Standard

Status Pending

Directions Highway 1 to Ocean St. 1 block off E.Cliff Cross Street: E. CLIFF

High School Santa Cruz

City Santa Cruz

High School District Other

MLS Area 699 - Not Defined

Lot Size Units Square Feet

Lot Size Square Feet 3441

Carport Spaces 0

Tax Annual Amount 13800

Trash Expense 600

Standard Status Pending

Occupancy Type Vacant

Year Built Source Assessor

Property Sub Type Additional Duplex

Cap Rate 4.76

Interior

Total Stories 2

Air Conditioning Y/N 0

Total Baths 0

Exterior

Parking Features Off Site

Lot Features Level

Water Source Public

Total Parking 3

Lot Size Area 3441

Foundation Details Concrete Perimeter

Number of Buildings 1

Building Area Total 1300

Lot Size Acres 0.079

Lot Size Source Assessor

* Excluded Features

List By

Monterey Bay Properties

Broker

katyyap@aol.com

Affordability Calculator

$8,006

Per Month

Monthly Principal & Interest: $6,856
Monthly Property Taxes: $1,150
Monthly Home Insurance: --

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Yearly Home Insurance

Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Multi-family listings in Santa Cruz, CA

Average List Price ^$2,570,857

Percent of Sale Price 134%

About Santa Cruz, CA

63,054 Population

16% Since 2002

^$67,765 Median Income

32.22 Median Age

20% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

4806562 Elementary School

4806563 Middle School

Santa Cruz High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
11/26/2025	$1,099,000		Listed Price

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122 Ocean Street, Santa Cruz, CA, 95060 is a Multi-Family Home for sale at $1,099,000 with 1,300 sqft and a lot size of 0.079. 122 Ocean Street is a studio with 0.0 baths and was built in 1992. The property's zip code is 95060 which is in Santa Cruz, CA

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Listing data provided courtesy of the Internet Data Exchange Program of the California Regional Multiple Listing Service, Inc..

Based on information from California Regional Multiple Listing Service, Inc. as of 12/6/2025. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.

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122 Ocean Street

Multi-Family Home for sale in Santa Cruz, CA

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