Santa Cruz County Homes under $350,000

Welcome to Santa Cruz County, California – a stunning coastal paradise that perfectly blends natural beauty, vibrant culture, and a welcoming community. Nestled along the picturesque coastline of the Pacific Ocean, Santa Cruz is renowned for its breathtaking beaches, lush redwood forests, and a laid-back lifestyle that attracts residents and visitors alike.

For those searching for affordable housing options in this idyllic county, you’ll be pleased to discover that there are homes available for under $350,000. While Santa Cruz is often associated with higher price points, savvy homebuyers can find charming properties that offer both character and comfort. Whether you're looking for a cozy cottage, a quaint bungalow, or a condo with stunning views, there are opportunities waiting for you.

Living in Santa Cruz means you’re never far from outdoor adventures. Explore the scenic trails of Henry Cowell Redwoods State Park, bask in the sun at the famous Santa Cruz Beach Boardwalk, or enjoy the vibrant local art scene in downtown Santa Cruz. With a mild Mediterranean climate, you can relish outdoor activities year-round, from surfing the waves to hiking through the majestic redwoods.

The community here is as diverse as the landscape, offering a rich tapestry of cultures, festivals, and events that foster a strong sense of belonging. With excellent schools, a thriving economy, and a commitment to sustainability, Santa Cruz County is not just a place to live; it’s a place to thrive.

Don’t miss your chance to become a part of this enchanting community – explore the affordable housing options available in Santa Cruz County today!

Newest Santa Cruz County Homes under $350,000

$349,000

2 Beds ⋅ 1 Baths ⋅ ML82064761 MLS ⋅ Active Status ⋅ Mount Herman Association BLDG.

Located in Mount Hermon, this 2-bedroom, 1-bath home offers 1,064 square feet of living space on a 5,053 square foot lot. The reverse floor plan features a living room with a pellet stove fireplace, providing warmth and a cozy atmosphere. The single full bathroom includes a tub. The dining area is integrated into the living room, and there is no separate family room. Heating is provided by the pellet stove, and there is no cooling system installed. The property does not include a garage. The home is situated within the San Lorenzo Valley Unified elementary school district. This residence combines efficient use of space and a practical layout in a serene Mount Hermon setting.

46 Woodwardia Avenue, Felton

18285 China Grade Road Unit 14, Boulder Creek

$220,000

2 Beds ⋅ 1 Baths ⋅ ML82064584 MLS ⋅ Active Status

18285 China Grade Road Unit 14, Boulder Creek

$310,000

2 Beds ⋅ 1 Baths ⋅ ML82060833 MLS ⋅ Active Status ⋅ Carriage Acres BLDG.

This 2-bedroom, 1-bath home is located in Soquel within the Soquel Union Elementary school district. The 769 sq ft interior features a ground floor bedroom, new carpeting in both bedrooms, new flooring in bathroom and laminate flooring throughout, and forced air heating. The kitchen includes a gas cooktop with hood and exhaust fan, self-cleaning oven, refrigerator, garbage disposal, and a skylight for natural light. A breakfast nook adjoins the kitchen, while a separate family room offers additional living space. The bathroom has both a shower and tub. Additional features include vaulted ceilings and a skylight that enhance the homes interior brightness. Laundry hookups accommodate a washer and dryer. With Lemon tree and patio around the back

999 Old San Jose Road Unit 33, Soquel

$300,000

2 Beds ⋅ 1 Baths ⋅ ML82061513 MLS ⋅ Active Status

THIS IS YOUR CHANCE!! OWN A HOME WITHOUT THE HUGE PRICE TAG. GREAT FINANCING OPTIONS ARE AVAILABLE FOR THE RIGHT BUYER. Sweat Equity or a Contractors special on nearly 22,000 sq ft lot along King Creek in Boulder Creek. This bank owned 2 bed, 1 bath sits on a generous lot where the creek runs close by, tucked into the redwoods covered Santa Cruz Mountains. Remodeling got underway but stopped short. SO CLOSE TO BEING DONE! Someone with the skills, or the vision to hire them, can finish the upgrades and turn this into a solid mountain home. It needs a new roof and wood repair. The foundation and drainage requires some attention, yet its easily accessible under the house, which simplifies the work. Santa Cruz County require fix to laundry waste disposal before occupancy. Here is the upside...location. You are minutes from downtown Boulder Creeks small town feel, with Highway 9 leading toward Big Basin Redwoods State Park, hiking trails, and the rest of the San Lorenzo Valley. Close enough for a Silicon Valley commute on good days, far enough for real quiet and outdoor living. This is unfinished potential on a creek side lot, ready for the right buyer to complete the project and claim a piece of mountain serenity.

495 Riverview Drive, Boulder Creek

$265,000

1 Beds ⋅ 1 Baths ⋅ ML82061465 MLS ⋅ Active Status ⋅ Opal Cliffs Mobile Home Park BLDG.

The Ultimate Beachside Retreat at Pleasure Point. Looking for an incredible coastal escape where you can walk to the surf and fall asleep to the sound of crashing waves? This beautifully updated 1 bedroom-plus home in Pleasure Point offers the quintessential Santa Cruz lifestyle! Exterior Highlights Unbeatable Location: Just two blocks to the beach and world-renowned surf breaks at Pleasure Point. Convenient & Walkable: Easy bike ride to New Leaf Community Markets, Whole Foods, local taquerias, and neighborhood dining. Exterior Upgrades: Newly installed and painted HardiePlank® siding with modern corrugated stainless-steel skirting, new double-pane windows with custom cedar trim, aluminum awnings, and a brand-new front deck perfect for morning coffee.Private Outdoor Space: Enclosed by flagstone pavers and lush bamboo for complete privacy. Interior Charm & Modern Systems Rustic Coastal Vibe: Features fresh paint throughout, classic antique Redwood doors, Redwood china cabinets, built-in Birchwood bar with a brass rail, and excellent built-in storage. Restored claw-foot bathtub with built-in Redwood shelving. Fully updated electrical and plumbing, plus a gas heater (under 10 years old) to warm up fast after a surf session. Turnkey & Passed recent home inspection with no issues.

890 38th Avenue Unit 19, Santa Cruz

5344 Scotts Valley Drive Unit 20, Scotts Valley

$263,000

1 Beds ⋅ 1 Baths ⋅ ML82061172 MLS ⋅ Active Status ⋅ Scotts Valley Mobile Home Park BLDG.

Welcome to easy, low-maintenance living in desirable Scotts Valley! This charming efficiently designed light-filled living space. Clean, cozy, and meticulously taken care of, this home is ready for you to move right in. Major upgrades have already been taken care of for total peace of mind: a new roof and a new HVAC system, both installed with permits in 2022. Outside, you'll love the super low-maintenance yard, giving you more time to relax and explore the area without the hassle of heavy yard work. Best of all, the prime location offers incredible convenience! You are within easy walking distance to Scotts Valley Market and local dining. Whether you are downsizing, looking for a starter home, or searching for an affordable footprint, this sweet property delivers comfort, quality, and convenience. Easy access to coastal beaches, redwoods, and Highway 17 for quick commuting.

5344 Scotts Valley Drive Unit 20, Scotts Valley

$350,000

2 Beds ⋅ 1 Baths ⋅ ML82060915 MLS ⋅ Active Status

Contractor Special! Bring your tools and inspiration to make this gem sparkle again! Newer roof, good commute location with public transportation option as bus stop close to home. Walking distance to town, with a newer roof and space for a carport. There is a redwood sauna in the home which has been used as a closet in unknown condition, laundry is located in shed behind home, covered firewood storage in front of fence.

13854 Highway 9, Boulder Creek

$153,000

2 Beds ⋅ 1 Baths ⋅ ML82060443 MLS ⋅ Active Status

RED-TAGGED PROPERTY CONTRACTOR/REHAB OPPORTUNITY. Nestled among the redwoods in a peaceful mountain setting, this property offers a unique opportunity for a buyer, builder, or contractor seeking a substantial renovation project. Enjoy Redwood decks overlooking Maple, Redwood, and Bay trees, along with a private walking bridge spanning Lompico Creek and providing views of the surrounding natural setting. The sale includes three parcels: APNs 075-331-06 and 075-331-07 on Lompico Road, and APN 075-111-25 on Creekwood Road. The property is currently RED TAGGED and requires significant repairs and rehabilitation. The project may include construction of a large engineered retaining wall, removing debris from a landslide from the rear of the property, septic tank replacement, and a complete renovation of the residence.

10857 Lompico Road, Felton

2120 N Pacific Avenue Unit 52, Santa Cruz

$195,000

1 Beds ⋅ 1 Baths ⋅ ML82059877 MLS ⋅ Active Status ⋅ El Rio Mobile Home Park BLDG.

Own a share in this welcoming, all-age co-op community, ideally located within walking distance of downtown Santa Cruz! Situated on one of the park's larger lots, this approximately 1,600-square-foot space offers two parking spots and is considered one of the community's most desirable locations. A gate along the back fence provides convenient access to the Riverwalk and bike path. Mature perimeter landscaping includes roses, honeysuckle, and a loquat tree. The existing home is being sold strictly AS-IS and must be removed from the property after close of escrow; the price reflects this. Income restrictions apply, and park board approval is required for ownership. Many residents have proudly called this friendly community home for decades! 2026 income limits: One person: $122,200; Two people: $139,650 The 2026 co-op share buy-in is $4,613 and is refundable to the buyer upon a future sale. Property taxes are billed through the park and paid twice annually.

2120 N Pacific Avenue Unit 52, Santa Cruz

2395 Delaware Avenue Unit 85, Santa Cruz

$150,000

2 Beds ⋅ 2 Baths ⋅ ML82058264 MLS ⋅ Active Status ⋅ Deanza BLDG.

OCEAN VIEW without the exorbitant price tag. Get ready to be captivated off the deck from this incredible beachside location. DeAnza Park is coastal premier amongst senior 55+ community living. This spacious unit has an updated kitchen and flooring throughout. Baths have been partially updated and ready to welcome its new owner. New outdoor Trex deck wrap halfway around the home and the setback on both sides leave ample space between neighbors and creates opportunities to reimagine the space as you wish to use it. Lets make your ocean view home and live by the beach a reality right here!

2395 Delaware Avenue Unit 85, Santa Cruz

$250,000

4 Beds ⋅ 2 Baths ⋅ ML82057479 MLS ⋅ Active Status ⋅ Sumner Woods BLDG.

Own your slice of the Aptos beach lifestyle! This is a FRACTIONAL OWNERSHIP opportunity offering approximately 6-7 weeks of use per year in a beautifully maintained coastal retreat. Enjoy the benefits of a second home without the full-time expense, with a rotating schedule that provides flexibility throughout the year. Whether you're seeking weekend escapes, family vacations, or a relaxing beach getaway, this is an affordable way to enjoy coastal living. Ideally located near Seascape Resort, Seascape Golf Club, private beach access, shopping, dining, and miles of scenic coastline, this 4-bedroom, 2-bath home offers 2,019± sq. ft. of inviting living space. Vaulted ceilings, skylights, and abundant natural light enhance the home's open feel. The kitchen features granite countertops, a gas cooktop, built-in oven, microwave, dishwasher, and refrigerator. Enjoy a cozy wood-burning fireplace, spacious primary suite with updated bath and dual sinks, indoor laundry, central forced-air heating, double-pane windows, and an attached 2-car garage. A rare opportunity to enjoy a second home in one of Aptos' most desirable beach communities.

103 Dunsmuir Court, Aptos

2395 Delaware Avenue Unit 188, Santa Cruz

$337,000

3 Beds ⋅ 2 Baths ⋅ ML82056948 MLS ⋅ Active Status ⋅ Deanza Santa Cruz BLDG.

New price for this amazing home in a great location in DeAnza Mobile home park, tucked away on a large corner lot with lots of privacy and views of Natural Bridges State Park, and Natural Bridges State Beach!!! Watch the waves crash, smell the ocean air, and ENJOY the beach and ocean views from your home!! This home offers extra parking, including a 2 car garage, a carport, and additional parking. This home has recently been painted inside and out. As you enter you are greeted with vaulted ceilings, lots of storage, an over sized living room and dining area. The kitchen has beautiful white tile and lots of counter space. The large laundry room is near the kitchen for added convenience. 3 large bedrooms and 2 full baths offer plenty of living space. Soak in the sunken tub in the primary bath while enjoying views of the State beach and waves. This is a special home with so many amenities, come take a look!

2395 Delaware Avenue Unit 188, 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.