188 Harbor Beach Ct , Santa Cruz, CA 95062
$2,695,000
Est. Payment: $13,608.96/mo
4 Bed
3 Bath
2282 Sqft
Status: active | Days on site: 10
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House Description

Just four blocks from the Santa Cruz Harbor, this extensively remodeled coastal retreat captures beachside living. Mornings begin with coffee in the private tropical courtyard, afternoons are spent at the beach or harbor, and evenings unfold around the outdoor fireplace. Thoughtfully redesigned throughout, the home blends timeless character with modern luxury. Exposed beams and soaring ceilings create warmth and openness, while natural light fills the living spaces. A stunning chef's kitchen features quartz countertops, a waterfall island, and stainless steel appliances, creating the perfect gathering place. Designed to embrace the indoor-outdoor lifestyle, the living areas open to an inviting backyard complete with a built-in BBQ, lush landscaping, and spaces made for entertaining year-round. The primary suite offers a peaceful escape with a fireplace, walk-in closet, and a spa inspired soaking tub, making every day feel like a vacation. Rarely does a home so effortlessly combine location, lifestyle, and design. Just moments from the Harbor, beaches, and waterfront dining, this is more than a beautifully remodeled home, it's an opportunity to embrace the laid-back luxury that defines life on the Santa Cruz coast.

Highlights

Listed by Strock Team , 831-688-9800 and Bjorn Berg , 831-566-6938 eXp Realty of California Inc , (888) 584-942.... CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.14

Year Built

2005

County

Santa Cruz

Area

699 - Not Defined

School District

Other

Listing ID

ML82051252

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Gas Cooktop, Disposal, Microwave, Refrigerator, Vented Exhaust Fan
Floor:Carpet,Tile,Wood
Other:Utility Room,Walk-In Closet(s)
Other:Public

Exterior Features

Lot:No Land Lease
Garage Capacity:4
Zoning:RM-6-D
Roof:Tile
Others:Stucco
Sewer:Public Sewer
Principal Interest
$13,609
Taxes
$1,718

Home Price

$2,695,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$539,000
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:
$13,608.96

Principal

Taxes

Principal Taxes HOA Total
Monthly $13,608.96 $1,718.06 $0.00 $15,327.02
Yearly $163,307.51 $20,616.75 $0.00 $183,924.26
Total $4,899,225.31 $618,502.50 $0.00 $5,517,727.81

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: 2026-08-10T18:36:54.000Z

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