Santa Cruz County Homes under $1.25 million

Santa Cruz County Homes under $1.25 million

Welcome to Santa Cruz County, a picturesque gem nestled along California's stunning coastline. Known for its breathtaking beaches, vibrant redwood forests, and laid-back atmosphere, Santa Cruz offers a unique blend of natural beauty and a thriving community. Whether you’re looking for outdoor adventures, cultural experiences, or simply a peaceful retreat, Santa Cruz has it all.

One of the most appealing aspects of this charming county is the diverse array of homes available, particularly those priced under $1.25 million. This price point opens the door to a variety of options, from cozy beach cottages to modern townhomes, each reflecting the local character and charm. Imagine waking up to the sound of waves crashing or enjoying a sunset from your own backyard—Santa Cruz living can make that dream a reality.

The neighborhoods here are as diverse as the residents themselves. From the bustling downtown area, brimming with shops, restaurants, and art galleries, to the serene suburbs that offer a family-friendly atmosphere, there’s a perfect spot for everyone. The local schools are highly regarded, making it an ideal place for families looking to settle down.

Outdoor enthusiasts will revel in the endless opportunities for hiking, surfing, and exploring the beautiful coastline and lush mountains. Plus, with its proximity to the vibrant cities of San Jose and Monterey, Santa Cruz provides the perfect balance of small-town charm and urban convenience.

Explore the possibilities of owning a home in Santa Cruz County today—where coastal living meets community spirit, all within your budget!

Newest Santa Cruz County Homes under $1.25 million

144 Holm Road Unit 99, Watsonville
$455,000
3 Beds ⋅ 2 Baths ⋅ ML82065868 MLS ⋅ Active Status
Beautiful 3-bed/2-bath home, like new. All appliances included: Washer, dryer, refrigerator, stove, dishwasher. All window coverings. All the amenities of a newer home, which include a walk-in closet, pantry, laundry room, etc. Clubhouse, pool, and community activities. Must be 55 or older to live in this luxurious park. Just minutes from our awesome beaches, shopping, and more. Must see. MAKE AN OFFER

144 Holm Road Unit 99, Watsonville
345 Sunbeam Avenue, Boulder Creek
$1,225,000
ML82065857 MLS ⋅ Active Status
Aptly named, this sunny home on Sunbeam Avenue in Boulder Creek will warm your heart. Situated on a huge, sun-drenched 16,000+ SqFt lot in a beautiful wooded neighborhood, this midcentury marvel is brimming with opportunity. There's plenty of room for multi-generational or multi-family living scenarios. It has a large main house (over 2300 Sq Ft) with four bedrooms, two and a half bathrooms, a wood-burning stove, hardwood floors, plus a formal dining room and expansive living room. The property includes a detached cottage with an open concept, including a kitchen, bathroom, and bonus room. It also has a two-car garage and ample off-street parking on site. The home is located close to Highway 9. Shopping, dining, and outdoor recreation are just minutes away. Act fast before this opportunity sunsets. Schedule a viewing today.

345 Sunbeam Avenue, Boulder Creek
416 Sailfish Drive, Aptos
$839,000
2 Beds ⋅ 2 Baths ⋅ ML82065844 MLS ⋅ Active Status ⋅ Sea Breeze Hoa BLDG.
Coastal living made easy! About half a mile from Seacliff Beach, this charming 2 bedroom, 1.5 bath townhome has so much to offer. The interior is light and bright with fresh paint, brand new luxury vinyl plank flooring through out, and a large new sliding glass door that opens to the lovely front deck and lets in plenty of natural light. One of the best features of this home is the outdoor space! A gated front courtyard and fully fenced backyard offer wonderful privacy and plenty of room to relax, entertain, or let your four legged friends enjoy the fresh air. Upstairs, the primary bedroom features a vaulted ceiling that makes the space feel open and airy. Enjoy the convenience of indoor laundry, a two car garage, and low HOA fees. The location is hard to beat! Spend your mornings walking along the beach, explore nearby trails, or head out to enjoy Aptos' great local restaurants and shops. Whether you're looking for your first home, a weekend getaway, or simply an easier way of living near the coast, this is a special spot to call your own!

416 Sailfish Drive, Aptos
121 Aptos Village Way Unit 4, Aptos
$1,099,000
2 Beds ⋅ 2 Baths ⋅ ML82065817 MLS ⋅ Active Status
**NEW CONSTRUCTION + 4.99% FIXED-RATE FINANCING OPPORTUNITY** Welcome to Aptos Village! This beautifully designed new-construction 2-bed, 2-bath home offers 1,263 sqft of modern living just steps from the Forest of Nisene Marks. The open-concept kitchen features quartz countertops, a gas range, dishwasher, refrigerator, and ample cabinetry- perfect for everyday living and entertaining. Energy-efficient features include double-pane windows, multi-zone mini-split HVAC, and a tankless water heater. The thoughtfully designed floor plan includes a main-level guest bedroom and full bath, plus a private upstairs primary suite. Both bedrooms feature walk-in closets, and a versatile loft is an ideal space for a home office, den, or flex area. High ceilings, abundant natural light, a full-size washer and dryer, window coverings, and a complete appliance package add comfort and value. Aptos Village offers a walkable lifestyle with dining, coffee shops, wine tasting, boutique shopping, and a neighborhood grocery market. Enjoy easy access to beaches, scenic trails, and world-class outdoor recreation. ***Some photos are of units with similar/same floorplan. Not all photos are of this specific unit***

121 Aptos Village Way Unit 4, Aptos
1730 Commercial Way Unit 31, Santa Cruz
$142,000
1 Beds ⋅ 1 Baths ⋅ ML82065108 MLS ⋅ Active Status ⋅ Pacific Family Park BLDG.
An excellent opportunity for affordable homeownership in Santa Cruz County! The current list price is an estimate, pending confirmation of the county's 2026 maximum allowable sales price. Don't miss your chance to get ahead of this below-market-rate opportunity! Located in an all-age mobile home park owned by a nonprofit organization, the community offers 35 rental spaces for owner-occupied homes. Income restrictions apply, and all buyers must obtain park management approval. Contact me for additional details and eligibility requirements.

1730 Commercial Way Unit 31, Santa Cruz
10636 Redwood Drive, Felton
$690,000
3 Beds ⋅ 2 Baths ⋅ ML82064486 MLS ⋅ Active Status
Sunshine, beautiful sunrises, and forest views set the scene at 10636 Redwood Drive in Feltons Lompico community. Clean and well-kept inside and out, this inviting home offers a BIG WINDOWS that showcase a light-filled mountain setting. Nestled up easy paved roads property this property has room for storage spreading out. Enjoy the beauty of the surrounding forest without giving up the sunshine-a special combination for those drawn to life among the redwoods. Founded in 1927 as a community of summer retreats, Lompico has long welcomed those seeking a slower pace in the Santa Cruz Mountains. Today, its wooded hillsides and winding roads preserve that mountain-getaway character. Nearby Loch Lomond Recreation Area offers seasonal boating, fishing, hiking, and picnicking in a beautiful lakeside setting. Down the road, the Trout Farm Inn provides a local gathering spot for dining and drinks. Whether your ideal morning begins with a colorful sunrise or your afternoon takes you out exploring, this home offers a welcoming place to enjoy the mountain lifestyle.

10636 Redwood Drive, Felton
637639 Riverside Avenue, Santa Cruz
$1,050,000
ML82065788 MLS ⋅ Active Status
Whether you are a first time home buyer, or an investor looking to add value to your portfolio, here is a rare opportunity to own a proven income producing property, just blocks from the heart of downtown Santa Cruz. This well maintained duplex sits on a corner lot within easy walking distance of downtown shops, restaurants, and local businesses. Features include a detached two car garage, dual pane windows, a new sewer lateral system, and mature fruit trees that add a touch of oldschool charm. With a long history as a successful rental property, this is the kind of investment that stands the test of time. A solid opportunity to own income-producing real estate in Santa Cruz, where a strong rental market and close-in location continue to make this a smart addition to any portfolio.

637639 Riverside Avenue, Santa Cruz
43 Bright View Court, Watsonville
$725,000
3 Beds ⋅ 3 Baths ⋅ ML82065779 MLS ⋅ Active Status ⋅ Green Valley Terrace BLDG.
Welcome to this inviting two-story home, ideally situated on a quiet cul-de-sac in an established neighborhood. Beautiful landscaping and a charming, covered entry create a warm first impression. Inside, soaring vaulted ceilings, beautiful wood-look flooring, and an impressive brick fireplace highlight the bright, open living area. Large windows, including a distinctive arched window, fill the space with natural light. The adjoining dining area opens to a private patio, perfect for indoor-outdoor living. The cheerful kitchen features white cabinetry, Quartz countertops, stainless steel appliances, and a sunny garden window. Upstairs, the spacious primary suite offers a beautifully updated bathroom with contemporary tile finishes. Two additional bedrooms provide comfortable living spaces, including one currently used as a home office. A second full bathroom and additional 1/2 bah adds convenience. Outside, mature trees, colorful landscaping, and established hedges create a private & peaceful setting. An attached two-car garage completes this lovely home, conveniently located near shopping, dining, and everyday amenities.

43 Bright View Court, Watsonville
220 Mar Vista Drive Unit 23, Aptos
$600,000
3 Beds ⋅ 2 Baths ⋅ ML82065712 MLS ⋅ Active Status ⋅ Blue Pacific BLDG.
Enjoy coastal living in this updated move-in ready home just a short walk from Sea Cliff beach and close to shopping and restaurants. This three bedroom, two bath home has a wonderful open concept kitchen, living and dining room. The updated kitchen has custom cabinets with soft-close drawers, stainless steel appliances and waterproof flooring. The kitchen with an island opens to the bright, generous living and dining areas, creating a large and inviting space for everyday living and entertaining. The split-bedroom layout offers privacy, with the large primary bedroom, walk-in closet, and bath on one side of the home and two additional bedrooms and a second bathroom on the other side. Outside, a patio provides space for entertaining, while a storage shed and guest parking add convenience. The home is located in Blue Pacific Mobile Home Park, a resident-owned co-op community since 2011. This desirable all-age, pet-friendly park includes a heated swimming pool and a community club house for residents to enjoy. .

220 Mar Vista Drive Unit 23, Aptos
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
140 Allan Lane, Watsonville
$1,099,000
2 Beds ⋅ 1 Baths ⋅ ML82065082 MLS ⋅ Active Status
Horse property with so much potential at this sunny well loved Corralitos address - this property is located behind the gate at the bottom of Allan Lane in Corralitos. Per county records, we have approx. 1.883 acres of mostly usable land. Built in 1910, the main house consists of 2 bedrooms / 1 bath with a total of 1405 square feet (per the county assessor records) has been upgraded over the years. Cozy wood stove, wood floors and an abundance of natural light flowing through home. Detached oversized 3 stall garage with storage area off the back and full second story storage / office / workout area above. Additional 1 car garage with storage unit above, and a five car carport located near entrance to home. Fenced and cross fenced, horse stall area, round pen, and lots of room to roam. Mostly useable land in this Corralitos foothill location. Community well is located on the property. Secondary well also on the property (details to follow). Corralitos has become a well known landmark for vineyards, locally owned farms, Corralitos meat market, Padres Hall, Women's Club and the ever so sweet library.

140 Allan Lane, Watsonville
2630 Orchard Street Unit 27, Soquel
$600,000
3 Beds ⋅ 2 Baths ⋅ ML82065555 MLS ⋅ Active Status ⋅ Country Villa BLDG.
Coastal living, community ownership, and a convenient Soquel location! Welcome to Country Villa, an all-age cooperative community offering a unique opportunity to enjoy the Santa Cruz lifestyle. Built in 2012, this well-maintained 3-bedroom, 2-bath manufactured home offers 1,230 square feet of comfortable living space with pride of ownership throughout. The location is hard to beat! Just minutes from charming Soquel Village, Cabrillo College and its popular Farmers Market, Soquel High School, and local favorites like The Farm Bakery. Enjoy nearby New Brighton State Beach, the shops and restaurants of Capitola Village, and easy access to Highway 1. With cooperative ownership, no age restrictions, and so much of what makes Santa Cruz County special close by, Country Villa offers a wonderful opportunity to put down roots and enjoy coastal living!

2630 Orchard Street Unit 27, Soquel
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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.

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