1328 Mission St , Santa Cruz, CA 95060
$999,000
Est. Payment: $5,449.24/mo
1229 Sqft
0.11 Acres
Status: Active Under Contract | Days on site: 62
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ML5097768 - ML5102541
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House Description

Welcome to 1328 Mission St, where flexibility, location, and long-term upside come together in one of Santa Cruz's most visible corridors. Currently configured as a residential property, this home offers immediate livability with the added benefit of commercial zoning, creating a rare opportunity for both homeowners and investors alike. Whether your'e looking to occupy, lease, or reposition over time, the zoning offers range of potential uses including office, retail, or mixed-use development. This single level home features approximately 1,229 square feet of living space with 3 beds, 2 baths and offers a functional and versatile layout. High ceilings and a central living room connected to a separate family room with pocket doors allows you to configure the main living space to your needs. The spacious kitchen features ample counter space and is a solid foundation for everyday living or future updates. Additional highlights include a mud room, a convenient laundry space outside, and a private fenced back yard with existing detached ADU. Set on a well-positioned lot along Mission Street, the property benefits from strong visibility, easy access, and close proximity to UCSC, downtown Santa Cruz, and the Westside's most popular shops, restaurants, and amenities.

Highlights

Listed by Jesse Collins , 831-227-9987 Sotheby's International Realty , (831) 204-7884. CRMLS/Multi-Regional MLS mls logo

Property Type

Commercial Sale

Lot/Acreage
0.11

Year Built

1900

County

Santa Cruz

Area

699 - Not Defined

Listing ID

ML82052689

Questions about this listing?

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Interior Features

Water:Public

Exterior Features

Lot:No Land Lease
Garage Capacity:0
Zoning:Community Commercial
Roof:Composition
Others:
  • ▪ Additional:Has ADU
Principal Interest
$5,449
Taxes
$1,341

Home Price

$999,000

Loan Details

30 yrs
7.245%

Down Payment

20%
$199,800
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:
$5,449.24

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,449.24 $1,341.00 $0.00 $6,790.24
Yearly $65,390.91 $16,092.00 $0.00 $81,482.91
Total $1,961,727.38 $482,760.00 $0.00 $2,444,487.38

Today's Rates

30 Year

7.25%

20 Year

7.27%

15 Year

6.6%

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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 (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: 2026-10-04T21:12:45.000Z

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