Santa Cruz Homes with HOA

Located in the beautiful state of California, Santa Cruz County offers a picturesque setting for those seeking a new place to call home. Nestled along the central coast of the state, this county is known for its stunning natural landscapes, vibrant communities, and a thriving real estate market.

One aspect of the real estate market in Santa Cruz County that potential homebuyers may want to consider is the availability of homes with Homeowners Association (HOA) fees. HOA fees are typically charged to residents of certain communities or neighborhoods to cover the costs of maintaining shared amenities and common areas.

In Santa Cruz County, there are numerous homes with HOA fees available for those who prefer to live in a community that offers additional perks and services. These fees can vary depending on the neighborhood and the amenities provided. Some HOA communities may offer benefits such as access to swimming pools, fitness centers, parks, or even security services.

While homes with HOA fees may require an additional monthly expense, many residents find the benefits to be well worth it. Living in an HOA community can provide a sense of community, well-maintained common areas, and peace of mind knowing that the neighborhood is being taken care of.

Whether you're looking for a home with HOA fees or prefer a different type of property, Santa Cruz County has a wide range of real estate options to suit various preferences and budgets. From charming beachfront cottages to modern suburban homes, there is something for everyone in this vibrant county.

Newest Santa Cruz Homes with HOA

$875,000

2 Beds ⋅ 3 Baths ⋅ ML82061688 MLS ⋅ Active Status

Opportunity knocks, but the clock is ticking. The Final Phase at the Aptos Village, a project decades in the making, there are only 2 units left in Building 1. Take advantage of Special Builder Promotional Financing at a low, fixed 4.99% interest rate. But don't wait. This 4.99% rate will expire at the end of 2026. Gain incredible purchasing power and monthly savings that simply aren't available elsewhere in today's market. Designed for modern flexibility, the street-level entrance and expansive windows create a bright, versatile space perfect for a professional home office, creative studio, or a seamless blend of life and work options. This adaptable layout is ideal for those seeking a sophisticated, multi-functional environment without the constraints of a traditional floor plan. Upstairs, the home features two bedroom suites, including an oversized primary retreat with a sitting area, balcony, and gas fireplace. With a secure 2-car garage and energy-efficient systems, you are steps from local dining and the trails of Nisene Marks. Whether you're an entrepreneur or simply seeking a unique, modern home, the unbeatable 4.99% financing makes this distinctive new construction opportunity more accessible than ever. Secure your future in Aptos Village today.

101 Aptos Village Way Unit 2, Aptos

$830,000

2 Beds ⋅ 2 Baths ⋅ ML82061619 MLS ⋅ Active Status

Light, bright & beautifully updated, this contemporary 2BD/2BA townhome offers an inviting blend of style, comfort & easy Santa Cruz living. Tucked within a peaceful, well maintained community, this home feels incredibly private while keeping beaches, shopping, schools, & commutes all within easy reach. Step inside to an airy, open living space where soaring ceilings, skylights & white oak luxury vinyl plank flooring create a pristine feel, full of natural light. Updated kitchen w/ quartz countertops & stainless appliances. Ground floor primary suite w/ direct access to the private backyard, creating an indoor/outdoor connection & a peaceful place to relax or gather. A private gate opens directly to the park-like green space, extending the backyard experience. 2nd bedroom includes a clever office nook along w/ a nearby full bath. The loft serves as a great flex space. Attached 1 car garage w/ laundry hook ups. Flexible living spaces, thoughtful updates, private outdoor space, & a quiet setting right around the corner from Coffeetopia, 5 mins to Brown's Ranch Marketplace, 7 mins to Pleasure Point & just a short stroll to Live Oak Dual Immersion Elementary & Leos Haven. Everything is at your fingertips here. This is a special place to settle in, stretch out & feel right at home.

1519 Hidden Terrace Court, Santa Cruz

$1,498,000

3 Beds ⋅ 2 Baths ⋅ ML82059467 MLS ⋅ Active Status ⋅ Evergreen Estates BLDG.

Welcome Home! Step into this stunning single level home, perfectly nestled in the tranquil community of Evergreen Estates! This property is a true sanctuary, showcasing exquisite outdoor vines and two waterfalls that create a peaceful oasis. There is also a private green park behind you perfect for outdoor activities, and play. This spacious 3-bedroom, 2-bathroom home features vaulted ceilings and beautiful skylights complemented by automatic shades, allowing you to control natural light and privacy. Elegant hardwood floors and granite countertops elevate the interior, while top-of-the-line Viking appliances and radiant floor heating enhance your living experience, making it an ideal choice for families looking to thrive in Santa Cruz County. Conveniently located near Soquel High and Soquel Elementary School. Additionally, located near Anna Jean Cummings County Park, where families enjoy access to playgrounds, and outdoor recreation. Plus, vibrant Soquel Village is just minutes away, offering charming coffee shops, trendy restaurants, and delightful shopping options. Don't miss this incredible opportunity to embrace the Santa Cruz County Lifestyle.

4456 Merlin Way, Soquel

$929,000

2 Beds ⋅ 2 Baths ⋅ ML82061244 MLS ⋅ Active Status ⋅ The Encore At 4104 BLDG.

Built in 2024, this top-floor corner condominium offers 2 bedrooms, 2 bathrooms and 1,134 sq ft of single-level living in Scotts Valley. Designed for low-maintenance, lock-and-leave ownership, the building features secured elevator and stairwell entries. The chef's kitchen showcases quartz countertops, Shaker cabinetry, stainless steel appliances and an extended island. The primary suite features a walk-in shower, frameless glass enclosure, heated tile floor and custom closet. Electric window blinds easily add privacy and light control. Additional features include owned solar, in-unit high-efficiency laundry, two assigned parking spaces, as well as a separate outdoor and secured storage closet on the ground floor. Carport is E/V ready, and may be added at Buyer's expense. Common areas include: outdoor patio, picnic area and multi-use exercise room. Approx. 0.7 mi to Scotts Valley Park & Ride, 0.8 mi to Skypark, 0.8 mi to Starbucks, 0.3 mi to Nob Hill Foods and 0.5 mi to Safeway. Approx. 3 mi to Pasatiempo Golf, 4 mi to DeLaveaga Golf and 7 mi to Santa Cruz beaches. Convenient Highway 17 access for travel to San Jose and Silicon Valley.

4104 Scotts Valley Drive Unit 302, Scotts Valley

$549,999

3 Beds ⋅ 2 Baths ⋅ ML82058816 MLS ⋅ Active Status

A 3-bedroom under $550,000. Wow! Enter the doors of this updated 3-bedroom, 1.5-bath offering 1,130 square feet of move-in-ready living in a quiet, well-maintained Watsonville community. The main level features bright marble flooring and a renovated kitchen with gray shaker cabinetry and a mosaic tile backsplash. Make your way upstairs, where freshly painted walls and new laminate flooring brighten the three bedrooms, and the bathroom features a granite vanity and a tiled tub and shower. Step outside to your own private, fenced patio with a brick planter bed, perfect for morning coffee or relaxing after a long day. The home also includes an assigned covered carport parking space. Located just minutes from Highway 1, Nob Hill Foods, Target, and downtown Watsonville, with the beaches of Santa Cruz and Monterey a short drive away, this is a wonderful opportunity to enjoy comfort and convenience.

273 Sunnyhills Drive, Watsonville

$639,000

3 Beds ⋅ 2 Baths ⋅ ML82061422 MLS ⋅ Active Status ⋅ Soquel Knolls BLDG.

Welcome to 4233 Topsail in desirable Soquel Knollsa light-filled 3-bedroom, 1.5-bath end-unit offering 1,155 sq. ft. of comfortable coastal living in the heart of Santa Cruz County. Ideally positioned just steps from the community pool, this inviting two-story home pairs a great floor plan with an exceptional central location. The updated kitchen features fresh modern touches, a practical layout, and a welcoming setting for everyday meals or entertaining. Bright living spaces and the added privacy of an end-unit location create a comfortable place to relax, recharge, and enjoy the Soquel lifestyle. The thoughtful two-story design provides an easy separation between the main living areas and bedrooms, creating flexibility for daily living, guests, or a work-from-home routine. Convenience continues outside with an attached carport and additional off-street parking. Enjoy convenient access to everything that makes this area so sought after: Capitola Village and Capitola Beach, Soquel Village, local shopping and dining, and beloved destinations including Shadowbrook Restaurant. With nearby schools and quick connections throughout Santa Cruz County, 4233 Topsail offers an ideal blend of neighborhood convenience, community amenities, parking ease, and coastal charm.

4233 Topsail Court, Soquel

$550,000

2 Beds ⋅ 2 Baths ⋅ ML82061405 MLS ⋅ Active Status

Take a look at this 2- Bedroom, 2.5 Bath townhome which offers 1,174 Sq Ft of comfortable living space. Nice layout with rooms located on opposite sides on the second floors which provides more privacy and convenience plus a half a bathroom downstairs for your guest. There is also a private backyard and a detached two car garage. Property is conveniently located within walking distance to Starlight Elementary and Cesar Chavez middle school, Target shopping center, Harking Slough Nature trails and Ramsay Park which is schedule to be completed late 2026. Low HOA....

433 Winchester Drive, Watsonville

$860,000

2 Beds ⋅ 2 Baths ⋅ ML82061361 MLS ⋅ Active Status ⋅ Willowbrook Village BLDG.

Tucked away in Willowbrook Village, this 2+ bedroom, 2 bathroom Aptos townhouse offers 1,385 square feet of light-filled living space with plenty of personality. Tall ceilings and genuine hardwood floors bring warmth to the main living areas, while both bathrooms have been thoughtfully updated with beautifully executed finishes. The enclosed loft adds valuable flexibility as an office, den, or creative space, complete with a playful ladder-accessed nook. Outside, the spacious deck feels private and peaceful, creating an easy extension of the living space. An attached two-car garage with epoxy flooring adds even more function and storage. All of this just minutes from Cabrillo College, Willowbrook Park, commute routes, and the beaches, shops, restaurants, and everyday conveniences that make Aptos such a great place to call home.

2907 Crocker Court, Aptos

$599,000

2 Beds ⋅ 2 Baths ⋅ ML82061291 MLS ⋅ Active Status

Ideally located in the heart of Aptos, this updated 2 bedroom, 1.5 bath end-unit condo is directly across the street from Rancho Del Mar Shopping Center and the Aptos Library, with the entrance to Nisene Marks State Park right around the corner. Easy access to Highway 1 makes getting around especially convenient. The home features newer laminate flooring, granite kitchen countertops, a gas range, and dual-pane windows. Enjoy two decks, including an upstairs rear deck with peaceful views of the trees and gardens at DIG Gardens. The lower deck is adjacent to a common area lawn and larger deck, adding to the outdoor setting. Additional amenities include a carport and in unit laundry, with water and garbage included in the HOA dues.

7555 Sunset Way Unit 6, Aptos

$9,600,000

5 Beds ⋅ 4 Baths ⋅ ML82060464 MLS ⋅ Active Status ⋅ Rio Surf And Sands BLDG.

Thoroughly renovated in 2023, this spectacular oceanfront masterpiece seamlessly blends organic coastal warmth with sophisticated industrial accents to create the ultimate beach house. The formal entry includes soaring ceilings and custom storage cabinetry. The main hallway guides you inward with elegant herringbone wood flooring, wood-lined details, and designer lighting. The great room opens to hurricane-rated windows and doors that frame breathtaking, unobstructed ocean views. The gourmet chefs kitchen features custom inset cabinetry, a substantial island, custom range hood, and high-end Sub-Zero refrigeration suite. Enjoy the living room with tile-lined gas fireplace and custom built-ins. Plus, the comfort of custom remote window coverings, ceiling fans, integrated speaker system, and radiant heating throughout. Every bathroom is curated luxury, with elegant designer tile, custom vanities, and Toto bidets. The entertainment deck is shielded from the sea wind by glass protection, with a built-in hot tub, barbecue island, and outdoor gas fire pit ideal for relaxation. Take in the dramatic views of passing dolphins, paddle out from your backyard, and rinse off in the outdoor shower. Meticulously curated yet comfortable in every way, this coastal sanctuary delivers.

638 Beach Drive, Aptos

$670,000

2 Beds ⋅ 2 Baths ⋅ ML82060709 MLS ⋅ Active Status

Welcome to 233 Lighthouse Drive, a beautiful townhouse nestled in the sought-after Las Brisas community of Watsonville. This light-filled home is turn-key and ready for its new owner. Stepping inside, you are greeted by fresh paint, modern finishes, and an open layout designed for comfortable living. The updated kitchen features newer appliances, ample cabinet space, and a functional flow that seamlessly opens to the primary living and dining areas. Both bedrooms are generously sized with great natural light, creating peaceful retreats. Enjoy low-maintenance coastal living with low HOA dues, attached two-car garage parking, and quick access to local shopping, parks, and nearby beaches. Clean, crisp, and beautifully presented this home offers exceptional quality and style at an unbeatable value.

233 Lighthouse Drive, Watsonville

$385,000

2 Beds ⋅ 2 Baths ⋅ ML82061134 MLS ⋅ Active Status

Tucked near the Boulder Creek Golf Course, this 2 bed/2 bath home puts downtown Boulder Creek right at your fingertips, including local favorites like Scopazzis, Red Pearl, and Wild Roots Market, plus easy access to major commute routes via Bear Creek Rd and scenic Highway 9. Vaulted ceilings create an airy, open feel throughout, while the fireplace offers a cozy spot to curl up with a good book or your favorite show on cooler evenings. Start your mornings with coffee on the patio and birdsong in the background, then cool off with community amenities including a heated pool and clubhouse.

106 Kings Highway, Boulder Creek

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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.