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308 Gharkey St , Santa Cruz, CA 95060
$1,479,000
Est. Payment: $7,468.52/mo
2 Bed
1 Bath
786 Sqft
Status: active | Days on site: 47
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Chris Heller
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House Description

Another Price Improvement of 70K! Welcome to a charming coastal retreat in the heart of Santa Cruz. This classic cottage captures the essence of the Santa Cruz lifestyle - simple, bright, and designed for easy living. .This inviting single-family home features 2 bedrooms and 1 bath, offering a warm and functional layout ideal for everyday comfort & weekend escapes. A full basement below adds valuable storage. The property also includes a detached 2-car garage, presenting exciting possibilities for expansion, an ADU, or creative workspace enhancing versatility and long-term value. Great expansion options! Situated in a truly exceptional location, you're just 2 blocks from the iconic West Cliff Dr, where breathtaking ocean views and coastal paths await. Enjoy a short stroll to the vibrant Santa Cruz Wharf, along with nearby restaurants, coffee houses, and local amenities defining the SC lifestyle. The sunny yard provides the perfect setting for outdoor living, gardening, or relaxing in the coastal breeze. This property is an exceptional opportunity whether you're seeking a full-time residence, a weekend getaway, or a smart investment. Great Location & Contractor Options! With its prime location, charm, & future potential, this home offers incredible flexibility and lasting appeal.
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Highlights

Listed by Bill Kavanaugh , 916-202-6254 Coldwell Banker Realty , (831) 469-8000. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential
Lot/Acreage
0.09

Year Built

1900

County

Santa Cruz

Area

699 - Not Defined

 School District

Other

Listing ID

ML82051946

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Microwave, Refrigerator, Washer
Floor:Carpet,Tile
Other:Public

Exterior Features

Lot:Level,No Land Lease
Garage Capacity:4
Zoning:Residential
Roof:Composition
Others:Vinyl Siding
Sewer:Public Sewer
Parking Features:Off Street,Uncovered
Principal Interest
$7,469
Taxes
$943

Home Price

$1,479,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$295,800
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:
$7,468.52

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,468.52 $942.86 $0.00 $8,411.38
Yearly $89,622.19 $11,314.35 $0.00 $100,936.54
Total $2,688,665.76 $339,430.50 $0.00 $3,028,096.26

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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