105 Stephen Rd , Aptos, CA 95003
$1,395,000
Est. Payment: $7,656.28/mo
4 Bed
4 Bath
2532 Sqft
0.04 Acres
Status: Active | Days on site: 71
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ML35574 - ML5104187
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House Description

Timeless Spanish Charm in the Heart of Rio del Mar Beach. A rare opportunity to own one of the original Spanish-style fourplexes in sought-after Rio del Mar Beach. Built in 1932, this property reflects the architectural heritage of California's coastal communities while offering the stability of an exceptional investment. Situated on a single parcel moments from the sand, the fourplex features four one-bedroom, one-bath units a desirable mix that attracts tenants and strong rental demand in one of Santa Cruz's most coveted beachside neighborhoods. Units are separately metered. Recent improvements include a remodeled kitchen in Unit 1 and new paint and flooring in Unit 4. Residents enjoy an effortless coastal lifestyle steps from the beach, with Cabrillo College minutes away, Nisene Marks nearby for hiking and biking, and the shops and charm of Aptos Village close at hand. With multifamily development extremely limited and coastal properties increasingly hard to acquire, opportunities like this are rare historic architecture, a prime location, and lasting appreciation in one legacy asset. Ideal for expanding a portfolio, completing a 1031 exchange, or securing a trophy coastal asset this iconic fourplex is a true opportunity to own a piece of Santa Cruz County history.

Highlights

Listed by Mario Desantis , 831-291-0511 Coldwell Banker Realty , (831) 469-8000. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.04

Year Built

1932

County

Santa Cruz

Area

699 - Not Defined

School District

Other

Listing ID

ML82055373

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:4
Water:Public

Exterior Features

Lot:No Land Lease
Garage Capacity:0
Zoning:RM-3
Roof:Shingle
Sewer:Public Sewer

Open House

Upcoming Open Houses
Saturday 12:00 pm - 3:00 pm Oct 3
Principal Interest
$7,656
Taxes
$889

Home Price

$1,395,000

Loan Details

30 yrs
7.307%

Down Payment

20%
$279,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$7,656.28

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,656.28 $889.31 $0.00 $8,545.59
Yearly $91,875.37 $10,671.75 $0.00 $102,547.12
Total $2,756,261.23 $320,152.50 $0.00 $3,076,413.73

Today's Rates

30 Year

7.31%

20 Year

7.2%

15 Year

6.65%

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Market insight data is pulled from the same city as the listing being viewed (Aptos, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. 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. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-10-03T07:14:35.000Z

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