404 Monterey Avenue Capitola, CA ^$ 1,599,000

404 Monterey Avenue

^$ 1,599,000

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Recently Listed

404 Monterey Avenue

Capitola, CA, 95010

^$ 1,599,000

Studio Baths0.0 Sq 2,370

Monthly Estimate*

^$ 9,845

Listed by Gonzalez Properties

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Studio

Multi-Family Home for sale in Capitola, CA

for $1,599,000. This 2,370 square foot home was built in 1969 on a lot size of 0.093.

This well located Capitola duplex features two spacious 2 bedroom, 1 bath units, each offering comfortable living in one of the most desirable coastal communities in Santa Cruz County. Both units include bright living areas, functional kitchen layouts, and well proportioned bedrooms. The property provides excellent flexibilityideal for owner occupants, multi generational living, or investors seeking strong rental demand in a beachside market. Two units, each with 2 bedrooms and 1 bathroom Open living and dining areas with good natural light Efficient kitchens with ample storage Private entrances for each unit 2 Car Garage and Street parking Outdoor space suitable for relaxing or gardening (optional detail) Located near Capitola Village, beaches, shopping, dining, and commuter routes Strong rental potential in a high demand coastal neighborhood Each Unit has their own separate Laundry Rooms Ideal For Investors looking for a stable rental property Buyers seeking to live in one unit and rent the other Families needing separate but nearby living spaces Anyone wanting to enjoy the Capitola lifestyle walkable, coastal, and charming

Multi-Family Active

Price

^$ 1,599,000

Bedrooms

Studio

Property Type

Multi-Family

Taxes

^$ 17,296

Style

Lot Size

0.093

Year Built

1969

Town/City

Capitola

County/Region

Santa Cruz

MLS | Web ID

ML82035702

Days on Market

Features

General

Living Area 2370

Sewer Public Sewer

Heating Wall Furnace

Cooling None

Possession Close Of Escrow

Roof Composition

Appliances Refrigerator

Zoning R2

Garage Spaces 2

Architectural Style Contemporary

Year Built 1969

View Park/Greenbelt Hills

Property Subtype Duplex

Accessibility Parking

County Santa Cruz

Insurance Expense 1500

Property Type Residential Income

HOA false

MaintenanceExpense 0

Garage Y/N true

Special Listing Conditions Standard

Status Active

Directions Bay to Monterey take Left Turn right on Younger take Left into alley and second Property in on the Left Cross Street: Younger Ave

High School Soquel

City Capitola

High School District Other

MLS Area 699 - Not Defined

Lot Size Units Square Feet

Lot Size Square Feet 4051

Carport Spaces 0

Elementary School Other

Tax Annual Amount 17296

Middle/Junior High School Other

Trash Expense 0

Standard Status Active

Occupancy Type Vacant

Year Built Source Other

Property Sub Type Additional Duplex

Cap Rate -1.18

Interior

Flooring Laminate

Total Stories 2

Air Conditioning Y/N true

Heating Y/N true

Total Baths 0

Exterior

Lot Features Sloped Down

Water Source Public

Total Parking 0

Lot Size Area 4051

Foundation Details Concrete Perimeter

Number of Buildings 1

Building Area Total 2370

Lot Size Acres 0.093

Lot Size Source Other

* Excluded Features

List By

Gonzalez Properties

Broker

wtkerrigan@gmail.com

Affordability Calculator

$11,287

Per Month

Monthly Principal & Interest: $9,845
Monthly Property Taxes: $1,441
Monthly Home Insurance: --

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Yearly Home Insurance

Default based on a 30-year fixed rate of 6.25% 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 Capitola, CA

Average List Price ^$2,009,500

Percent of Sale Price 26%

About Capitola, CA

10,272 Population

-2% Since 2002

^$74,682 Median Income

42.43 Median Age

23% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

0 Elementary School

0 Middle School

Soquel High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
2/20/2026	$1,599,000		Listed Price

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404 Monterey Avenue, Capitola, CA, 95010 is a Multi-Family Home for sale at $1,599,000 with 2,370 sqft and a lot size of 0.093. 404 Monterey Avenue is a studio with 0.0 baths and was built in 1969. The property's zip code is 95010 which is in Capitola, CA

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.25% 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 2/24/2026. 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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404 Monterey Avenue

Multi-Family Home for sale in Capitola, CA

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