116 Monterey St , Santa Cruz, CA 95060
$4,588,000
Est. Payment: $23,168.05/mo
4 Bed
4 Bath
2586 Sqft
Status: active | Days on site: 7
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Some homes simply have an address; this one has a vantage point. From the moment you step inside 116 Monterey Street, a coastal panorama unfolds: Loma Prieta stands sentinel to the east, the iconic Santa Cruz Boardwalk and Wharf shimmer below, and the Monterey Bay Marine Sanctuary stretches to the horizon. This Mediterranean masterpiece was entirely reimagined in 2007 by the current owners, ensuring every detail was overseen with an owners eye for perfection. They meticulously preserved the vintage character, designing a high-end modern residence around that historic core.From the structural integrity to the lush,professional landscaping, every inch of this property has been built, lived in, and maintained to an immaculate standard.Situated just steps from West Cliff Drive and the Cowells Beach stairs, this residence caters to an active lifestyle centered around the ocean. The chef's kitchen, anchored by a Wolf range and a generous island, makes entertaining effortless. Evenings end in a private coastal oasis featuring an 8-person outdoor hot tub and a convenient outdoor shower, the essential finish to a morning surf session.The permitted 1bed/1 bath ADU sits atop a 2-car mechanic's garage and offers a proven income of $30-40k annually.

Highlights

Listed by Craig Springbett , 831-239-9966 Christie's International Real Estate Sereno , (831) 460-1100. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.17

Year Built

1952

County

Santa Cruz

Area

699 - Not Defined

School District

Other

Listing ID

ML82047237

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:4
Floor:Tile,Wood
Other:Public

Exterior Features

Lot:No Land Lease
Garage Capacity:2
Zoning:R1
Roof:Tile
Parking Features:Covered,Off Street
Principal Interest
$23,168
Taxes
$2,925

Home Price

$4,588,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$917,600
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:
$23,168.05

Principal

Taxes

Principal Taxes HOA Total
Monthly $23,168.05 $2,924.85 $0.00 $26,092.90
Yearly $278,016.64 $35,098.20 $0.00 $313,114.84
Total $8,340,499.33 $1,052,946.00 $0.00 $9,393,445.33

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

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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: 2026-08-10T20:37:41.000Z

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