Santa Cruz Homes under $1.25 million

Welcome to Santa Cruz, California, a vibrant coastal city nestled along the stunning shores of the Pacific Ocean. Known for its breathtaking beaches, lush redwood forests, and a laid-back atmosphere, Santa Cruz is a perfect blend of natural beauty and urban charm. With a rich history and a strong sense of community, this city offers an eclectic mix of activities, from surfing at the iconic Steamer Lane to exploring the scenic trails of Henry Cowell Redwoods State Park.

For those looking to call Santa Cruz home, there’s an exciting opportunity to find beautiful properties under $1.25 million. This price point opens the door to a variety of charming homes that cater to diverse lifestyles. Whether you’re seeking a cozy bungalow with ocean views, a modern townhouse close to downtown, or a family-friendly residence in a peaceful neighborhood, Santa Cruz has something for everyone.

Imagine waking up to the sound of waves crashing and enjoying your morning coffee on a sun-drenched patio. With an array of local shops, gourmet restaurants, and cultural attractions just a stone’s throw away, you’ll never run out of things to do. Plus, the warm, welcoming community is known for its friendly spirit and vibrant arts scene, making it easy to feel right at home.

Don’t miss your chance to invest in this picturesque city where the mountains meet the sea. Explore the available homes under $1.25 million and discover the perfect place to create lasting memories in Santa Cruz!

Newest Santa Cruz Homes under $1.25 million

220 Atlantic Avenue Unit 206, Santa Cruz

$635,000

1 Beds ⋅ 1 Baths ⋅ ML82064451 MLS ⋅ Active Status ⋅ Seabright Villas BLDG.

Coastal living at its finest! Located just steps from the sand in the highly desirable Seabright neighborhood, this charming 1-bedroom, 1-bath condo offers an incredible opportunity to enjoy the best of Santa Cruz living. Start your mornings with a stroll to the nearby cliffside benches, where you can relax and take in breathtaking views overlooking Seabright Beach, the Walton Lighthouse, and the Monterey Bay. Spend your afternoons enjoying the beach, exploring the Santa Cruz Harbor, or visiting the neighborhood's popular restaurants, coffee shops, and local breweries. The iconic Santa Cruz Beach Boardwalk is also just a short stroll away. The community features a heated saltwater swimming pool, spacious outdoor patio, secure gated underground parking, and convenient elevator access. Whether you're looking for a full-time residence or a weekend beach retreat, this property offers the perfect combination of location, convenience, and laid-back coastal living. Leave the car parked and enjoy everything that makes Santa Cruz special, all just moments from your front door!

220 Atlantic Avenue Unit 206, Santa Cruz

$940,000

2 Beds ⋅ 3 Baths ⋅ ML82065370 MLS ⋅ Active Status ⋅ Ocean View Homeowners Assoc. BLDG.

If you want the space and comfort of a home with the ease of condo living, this two-story Seabright retreat gives you both, along with privacy, amenities, and the ocean close by. Set within the gated Ocean View complex, the home offers controlled access and a peaceful setting surrounded by trees. The main level is open and inviting with a spacious living room centered around a fireplace, a dedicated dining area, and a generous kitchen with an island and abundant cabinetry. Arched openings add character while natural light and leafy views create a calm, comfortable atmosphere. Upstairs, two en-suite bedrooms provide separation from the main living spaces, and the primary opens to its own balcony. A nook at the top of the stairs creates an ideal space for reading, working from home, or adding extra storage. Two and a half bathrooms and a dedicated indoor laundry room make the layout especially practical. The community includes an indoor pool, hot tub, racquetball court, and landscaped grounds. With a park next door, the ocean just minutes away, and Seabrights shops, restaurants, beaches, and harbor nearby, this home makes it easy to enjoy the best of Santa Cruz. For the buyer who wants generous space, added privacy, and a relaxed coastal lifestyle, this one brings it all together.

75 S Branciforte Avenue, Santa Cruz

$850,000

2 Beds ⋅ 2 Baths ⋅ ML82065165 MLS ⋅ Active Status

This thoughtfully designed 2 bed, 2 bath home puts West Cliff within easy reach, with surfing, bike rides, and beach days close by. Downtown Santa Cruz is nearby too, offering restaurants, shops, and nightlife, and the home sits along the bus route for added convenience. Inside, numerous windows and sliding glass doors fill the space with natural light, creating a bright, open feel and making smart use of the layout. The primary bedroom includes an en suite bathroom, and an in-unit washer and dryer keep laundry simple. Two balconies offer room for dining al fresco or tending a container garden. Parking is easy with an attached garage plus a dedicated parking space.

208 Bay Street Unit H, Santa Cruz

$889,000

2 Beds ⋅ 2 Baths ⋅ ML82065157 MLS ⋅ Active Status

Located in the heart of Seabright, one of Santa Cruz's most desirable neighborhoods, this well maintained townhome offers a fantastic location and is move in ready. Built in 1996 and situated in a small complex, the home features fresh interior paint, new vinyl plank flooring & carpet, freshly painted kitchen cabinets & a new dishwasher. The spacious top floor primary suite is a standout, with high ceilings, multiple closets, and plenty of natural light. Additional highlights include an attached two car garage and a private back patio. Just around the corner from Staff of Life Market and close to local favorites like Lillian's & Akira, the Rio Theatre, and all that Seabright has to offer. A great opportunity to enjoy one of Santa Cruz's best neighborhoods and easy, low maintenance living!

115 Library Lane, Santa Cruz

$1,199,000

3 Beds ⋅ 3 Baths ⋅ ML82065003 MLS ⋅ Active Status

Welcome to this beautifully refreshed Santa Cruz home, ideally situated on a quiet cul-de-sac in a convenient central location! Offering 3 bedrooms, 2.5 bathrooms, and 1,602 square feet of inviting living space. The spacious open living area showcases a stunning exposed wood-beam ceiling, Andersen French doors, and a cozy wood-burning fireplace. This home features fresh interior paint, brand-new carpeting, appliances, and toilets, along with beautiful hardwood floors and vaulted ceilings. Central air conditioning adds year-round comfort. Step outside to a generous backyard deck and patio, perfect for relaxing, entertaining, and enjoying the peaceful natural setting, with county green space bordering the rear of the property for added privacy. The attached two-car garage offers a workbench, built-in shelving, and washer/dryer. Enjoy easy access to shopping, dining, major commute routes, and Santa Cruz's beautiful beaches. An exceptional combination of location, comfort, privacy, and value this Santa Cruz gem is ready to welcome you home!

2906 Kristie Court, Santa Cruz

$599,000

1 Beds ⋅ 1 Baths ⋅ ML82064570 MLS ⋅ Active Status ⋅ Pacific Terrace BLDG.

Perched just five minutes from the vibrant heart of downtown Santa Cruz, this recently updated 1,028 sqft penthouse offers effortless urban and coastal living with a 45 min drive to Silicone Valley. The expansive living room immediately captivates with dramatic high ceilings and a cozy fireplace, creating an airy yet inviting sanctuary that flows seamlessly out to a private balcony with mountain views, a perfect backdrop overlooking the downtown skyline. The thoughtful layout features a separate, generously sized primary bedroom offering a quiet retreat with large closets. This is complemented by a spacious full bathroom and the ultimate convenience of in-unit laundry. Turnkey and recently refreshed, the home boasts brand-new LVP flooring, crisp new paint, and newer electrical updates. Residents enjoy premium community amenities, including a year-round swimming pool and spa and BBQ area, secured entry and dedicated underground parking and storage. Offering unmatched proximity to world-class dining, shopping, and entertainment, this penthouse is a retreat designed for remote workers, UCSC students, investors, first-time homebuyers, or anyone who refuses to compromise on location at an affordable price. This quiet and pet friendly complex is only 15 min to the Boardwalk and beach.

318 Soquel Avenue Unit A3, Santa Cruz

$699,000

1 Beds ⋅ 1 Baths ⋅ ML82064530 MLS ⋅ Active Status

Rare opportunity to build equity or construct your dream coastal retreat at 113 Pine Street! Situated in a highly desirable, established Santa Cruz neighborhood, this property offers exceptional location value just minutes from local beaches, downtown shopping, dining, and easy highway access. The existing structures are in poor condition with significant deferred maintenance and may be potential tear-downs, making this an ideal blank canvas for contractors, builders, savvy investors, or experienced project seekers looking for their next major undertaking. Bring your architect, land planner, and vision to explore the possibilities of a complete rebuild, major expansion, or custom footprint. The property features a 448 sq. ft. 1-bedroom, 1-bathroom primary residence, along with a converted detached garage of roughly 400 sq. ft. Value is predominantly in the land and location. Opportunities at this price point in Santa Cruz are exceptionally rare, don't miss out!

113 Pine Street, Santa Cruz

$877,000

3 Beds ⋅ 2 Baths ⋅ ML82062729 MLS ⋅ Active Status ⋅ Antonelli Mobile Manor BLDG.

Welcome to easy Santa Cruz living in Antonelli Park. Built in 2014, this beautifully maintained 3-bedroom, 2-bathroom home offers 1,657 square feet of spacious, thoughtfully designed living space with the comfort and feel of a single-family home. Vaulted ceilings enhance the bright, open interior, while the kitchen features granite countertops, generous cabinetry, and plenty of space for everyday living and entertaining. The spacious primary suite offers a relaxing retreat with a walk-in closet and private bath featuring a tiled walk-in shower. Two additional bedrooms provide flexibility for family, guests, a home office, or hobbies. Outside, a welcoming deck extends the living space and is surrounded by beautiful, established landscaping, creating a peaceful setting to relax and enjoy the Santa Cruz lifestyle. A convenient exterior lift adds accessibility, while the covered carport provides parking for two vehicles. Residents enjoy community amenities including a clubhouse and swimming pool. With newer construction, generous living spaces, inviting indoor-outdoor living, and a convenient Santa Cruz location close to beaches, shopping, dining, and everyday amenities, this home offers an appealing blend of comfort, convenience, and coastal living.

2655 Brommer Street Unit 50, Santa Cruz

$679,526

2 Beds ⋅ 2 Baths ⋅ ML82064526 MLS ⋅ Active Status ⋅ Eastbrook Ct Hoa BLDG.

Beautifully updated upstairs end unit in a move in condition, New kitchen countertops with stainless steel deep sink, all new stainless steel appliances, dishwasher, oven/range and fridge. new light fixtures, new double pane windows and slider throughout, tile floors in the kitchen, entry and both bathrooms, mirror closet doors, recently redone custom tile shower, new countertops & sinks in both bathrooms, new toilets, bathroom light fixtures, New interior paint and New carpeting, forced air furnace replaced in 2015, new water heater in 2023, quiet complex, close to Capitola Mall Shopping center, near Twin lakes Beach and Harbor, close to down town Santa Cruz.

1713 Eastbrook Court, Santa Cruz

$728,888

3 Beds ⋅ 2 Baths ⋅ ML82064408 MLS ⋅ Active Status ⋅ El Dorado Commons BLDG.

Welcome to 1200 Capitola Road, Unit 27, where the best of Santa Cruz coastal living meets everyday convenience! Beautifully situated as a desirable corner unit with only one shared wall, this inviting three-bedroom, one-and-a-half-bath home offers comfort, flexibility, and location. One of the home's standout features is its generously sized laundry room, providing space for storage and everyday organization. With three bedrooms, there is room to create a home office, welcome guests, or enjoy the flexibility of a thoughtfully designed home. Step outside and discover why this Live Oak location is so special! Just minutes from the Santa Cruz Yacht Harbor, Twin Lakes Beach, Pleasure Point, and charming Capitola Village, you'll find endless opportunities to enjoy the coastal lifestyle. Morning coffee, beach sunsets, scenic bike rides, neighborhood parks, local farmers markets, and wonderful dining are all part of the experience. Located near shopping, schools, neighborhood amenities, and Highway 1 access, this is the perfect balance of coastal charm and everyday practicality. Whether you're searching for your first home, a coastal retreat, or simply a place to enjoy everything Santa Cruz has to offer, Unit 27 is an opportunity to make the lifestyle you've been dreaming of your own!

1200 Capitola Road Unit 27, Santa Cruz

$495,000

1 Baths ⋅ ML82063125 MLS ⋅ Active Status ⋅ Piedmont Court BLDG.

A rare opportunity to own a beautifully reimagined residence within historic Piedmont Court, one of Santa Cruz's architectural treasures. Built in the Mission Revival style with Moorish influences, the landmark building features graceful arches, towers, balconies, verandas, an inviting courtyard, and gardens. Thoughtfully designed by Suna Lock of Viewpoint Design (formerly Stripe Design), this light-filled studio honors its historic setting while introducing a refined, modern sensibility. Custom Melim Woodworking cabinetry anchors the kitchen, complemented by a Sub-Zero refrigerator, Fisher & Paykel microwave/convection oven, and induction cooktop. A separate sleeping area features a built-in bed with extra storage, while LVP flooring flows throughout the living areas. The beautifully appointed bath pairs local Fireclay tile with handmade floor tile and includes striking brass lighting and fixtures, and a generous walk-in shower with a built-in bench. Gracious, inviting common areas, assigned garage parking, and additional storage complete this artistic, cozy home, ideally situated near Downtown Santa Cruz, UCSC, beaches, dining, shopping, and all that Santa Cruz has to offer.

260 High Street Unit 208, Santa Cruz

$1,099,000

2 Beds ⋅ 1 Baths ⋅ ML82064282 MLS ⋅ Active Status

Sweet single-level home in a desirable Eastside location. Features 2 Br/1 bath, 900 Sq. feet, a corner lot, a detached garage, a storage shed, and a large fenced garden area. Solid home with hardwood floors in the dining area and a wood stove for warmth. This home is on the market for the first time in decades and has been well cared for. The location is ideal, near all the Seabright area restaurants and great shopping.

439 Stanford Avenue, Santa Cruz

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Based on information from California Regional Multiple Listing Service, Inc. as of . 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.

Santa Cruz Homes under $1.25 million

Newest Santa Cruz Homes under $1.25 million

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