1500 Wharf Rd Unit 22 , Capitola, CA 95010
$3,995,000
Est. Payment: $20,173.58/mo
3 Bed
2 Bath
1850 Sqft
Status: active | Days on site: 125
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Unique, Iconic home in a World-Class Location, in the heart of Capitola Village. The beach is your backyard, the Cool Ocean is your Pool. During the day, lay in the sun, play in the cool Pacific Ocean, enjoy a beach barbecue for lunch, and stroll along the waters edge. At low tide, explore the tide pools on both sides of the small Bay. In the evenings, sit on the upper-level deck and take in the ocean and sunset views with a glass of wine. Then cruise into the Village for dining or visit Shadow Brook Restaurant. Afterward, enjoy a peaceful beach walk under the light of the full moon. How classically cool can this be? You truly need to visit and experience this one-of-a-kind treasurethere is nothing comparable in Santa Cruz County. The home offers approximately 1,850 square feet across two levels, with a locking door separating the spaces. There are 3 bedrooms total - 2 on the upper floor and 1 on the lower level, which features a private beach access door. Each level includes a full kitchen and bathroom. Vacation rental permits are available with application. The property has been recently remodeled. Do yourself a favor and come experience this incredible coastal retreat.

Highlights

Listed by Paul Bailey , 831-818-0406 Bailey Properties , 831-688-7434. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.03

HOA Fee

188.33333333333 Monthly

Year Built

1927

County

Santa Cruz

Area

699 - Not Defined

School District

Other

Listing ID

ML82041044

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven
Floor:Wood
Other:Public

Exterior Features

Lot:Flag Lot,No Land Lease
Garage Capacity:2
Zoning:R-1
Roof:Other
Others:Stucco
Sewer:Public Sewer
Parking Features:Covered,Off Site
Principal Interest
$20,174
Taxes
$2,547
HOA
$188

Home Price

$3,995,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$799,000
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:
$20,173.58

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $20,173.58 $2,546.81 $188.33 $22,908.72
Yearly $242,082.93 $30,561.75 $2,260.00 $274,904.68
Total $7,262,487.98 $916,852.50 $67,800.00 $8,247,140.48

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

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Current Listings

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Aug 2026

Average Price

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Average Days on Market

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Market insight data is pulled from the same city as the listing being viewed (Capitola, 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: 2026-08-10T20:37:41.000Z

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