1028 Western Dr , Santa Cruz, CA 95060
$2,599,000
Est. Payment: $14,264.28/mo
4 Bed
3 Bath
2172 Sqft
0.42 Acres
Status: Active | Days on site: 76
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ML5012225 - ML5075560
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House Description

Rare Upper Westside estate property offering nearly 3,050 square feet of combined living space, including a newly constructed, fully permitted 876 sq. ft. ADU. Set on a rare, level 18,426 sq. ft. flat parcel just moments from Moore Creek Preserve, this beautifully remodeled single-level ranch captures the essence of Santa Cruz livingprivacy, flexibility, and income potential in one of the areas most sought-after neighborhoods. The main residence spans 2,172 sq. ft. with 3 bedrooms and 2 full bathrooms, plus a spacious, flexible office ideal as a 4th bedroom, private suite, or guest quarters. Thoughtfully updated throughout, the home blends classic ranch charm with modern finishes and an easy indoor-outdoor flow. The newly built ADU offers excellent potential for rental income, extended family, or a private work-from-home retreatideal for UCSC faculty or Bay Area remote professionals seeking space and privacy. The expansive, flat grounds are a rare Westside findperfect for gardening, entertaining, or relaxing. Features include terraced gardens, a dog run, oversized two-car garage, and owned solarall just minutes from surf, trails, and Westside favorites.

Highlights

Listed by Bri Steel , 831-200-6338 Live Love Santa Cruz , (831) 200-6338. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.42

Year Built

1962

County

Santa Cruz

Area

699 - Not Defined

School District

Other

Listing ID

ML82040730

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Water:Public

Exterior Features

Lot:No Land Lease
Garage Capacity:2
Zoning:SFR
Roof:Composition
Others:
  • ▪ Additional:Has ADU
Sewer:Public Sewer
Parking Features:Off Street
Principal Interest
$14,264
Taxes
$1,657

Home Price

$2,599,000

Loan Details

30 yrs
7.307%

Down Payment

20%
$519,800
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:
$14,264.28

Principal

Taxes

Principal Taxes HOA Total
Monthly $14,264.28 $1,656.86 $0.00 $15,921.15
Yearly $171,171.40 $19,882.35 $0.00 $191,053.75
Total $5,135,141.89 $596,470.50 $0.00 $5,731,612.39

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 (Santa Cruz, 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: 2026-10-03T17:14:43.000Z

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