402 Bernal St , Aptos, CA 95003
$1,499,000
Est. Payment: $8,227.07/mo
3 Bed
3 Bath
1530 Sqft
0.44 Acres
Status: Active | Days on site: 10
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ML35586 - ML5072974
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House Description

Nestled in the heart of Aptos Village, this special property blends vintage charm with thoughtful updates. Two existing living units, plus the potential for a third, offer exceptional flexibility. The extensively updated 2-bedroom, 1.5-bath single level main home retains its original character while offering a remodeled kitchen and baths, refinished fir hardwood floors, upgraded electrical and a new roof. An existing JADU studio provides additional living space or potential rental income, while an open permit to convert the garage into a 2-bedroom, 2.5-bath ADU creates exciting potential for multigenerational living, guests or additional rental income. Outside, a large, private and fully fenced backyard offers room to relax, garden and gather. Set between the redwoods and the sea, the location puts the best of Aptos within easy reach. Stroll to New Leaf, Cat & Cloud, Mentone, Cantine and other Village favorites, or head just minutes down the road to Rio del Mar, Seacliff and Seascape beaches and the trails of Nisene Marks. A rare combination of character, versatility and walkable Aptos Village living.

Highlights

Listed by Kasey Hinchman , 831-239-3708 David Lyng Real Estate , 831-429-5700. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.44

Year Built

1935

County

Santa Cruz

Area

699 - Not Defined

School District

Other

Listing ID

ML82062168

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Water:Public

Exterior Features

Lot:No Land Lease
Garage Capacity:2
Zoning:PR
Roof:Composition
Others:
  • ▪ Additional:Has ADU
Sewer:Public Sewer
Parking Features:Off Street

Open House

Upcoming Open Houses
Saturday 1:00 pm - 4:00 pm Oct 3
Sunday 1:00 pm - 4:00 pm Oct 4
Thursday 12:30 pm - 3:00 pm Oct 8
Principal Interest
$8,227
Taxes
$956

Home Price

$1,499,000

Loan Details

30 yrs
7.307%

Down Payment

20%
$299,800
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:
$8,227.07

Principal

Taxes

Principal Taxes HOA Total
Monthly $8,227.07 $955.61 $0.00 $9,182.68
Yearly $98,724.86 $11,467.35 $0.00 $110,192.21
Total $2,961,745.94 $344,020.50 $0.00 $3,305,766.44

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: 2026-10-03T09:09:50.000Z

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