95003 Homes with HOA

Welcome to the picturesque zip code 95003, nestled in the charming coastal town of Aptos, California. This stunning area, part of Santa Cruz County, perfectly blends natural beauty with a vibrant community spirit. Aptos is known for its breathtaking beaches, lush redwood forests, and a laid-back lifestyle that attracts both families and retirees alike.

In 95003, you'll find a diverse range of homes, many of which are part of well-maintained Homeowners Associations (HOAs). These communities offer an added layer of convenience and security, with amenities ranging from beautifully landscaped common areas to recreational facilities, ensuring that residents can enjoy a high quality of life. Imagine living in a neighborhood where your weekends can be spent by the pool, in the clubhouse, or exploring the nearby hiking trails—all while having the peace of mind that comes from being part of a cohesive community.

The real estate market in Aptos boasts a variety of properties, from charming single-family homes to modern condos, many of which are designed to take advantage of the stunning coastal views and the serene environment. With the ocean just a stone's throw away, residents can indulge in outdoor activities such as surfing, hiking, and biking, making it an ideal location for nature enthusiasts.

Whether you're looking for a peaceful retreat or a vibrant community, 95003 in Aptos offers a unique lifestyle that captures the essence of California living. Come explore the possibilities and find your dream home in this idyllic coastal paradise!

Newest 95003 Homes with HOA

$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

$1,100,000

3 Beds ⋅ 3 Baths ⋅ ML82059350 MLS ⋅ Active Status

Aptos Courtside townhome that lives like a single-family home. The light and bright interior features brand-new LVP flooring downstairs, new carpet upstairs, and fresh paint throughout. Separate living and family rooms each have a gas log fireplace, offering plenty of space to relax and entertain. High ceilings and abundant windows bring natural light into the living spaces and all three bedrooms. The living and dining areas open to a spacious deck beneath mature oak trees, overlooking the community tennis court. Additional features include interior laundry and an attached two-car garage. The building also has a brand new roof and the HOA fee includes water. Conveniently located near Aptos shopping and dining, with direct access to The Forest of Nisene Marks State Park from the back of the complex.

3360 Aptos Rancho Road, Aptos

$625,000

1 Beds ⋅ 1 Baths ⋅ ML82059544 MLS ⋅ Active Status

Have you always wanted to own a place by the beach? Now is your opportunity. Just a short drive from Silicon Valley, your ocean getaway can begin Friday afternoon. Leave the stressful week behind, settle into the privacy of your own space, order a cocktail, enjoy a massage, take a dip in the pool, or simply relax on your private balcony and take in the incredible ocean view. After dinner, step outside for a peaceful walk along miles of sandy beach. Then head back to the office Monday refreshed and rechargedwhile your unit has the opportunity to generate rental income when youre away. This ocean-facing condo offers more than a place to stay. Its your own coastal escape, just close enough to enjoy whenever you need it.

302 Seascape Resort Drive, Aptos

$2,595,000

4 Beds ⋅ 3 Baths ⋅ ML82058493 MLS ⋅ Active Status

Discover exceptional contemporary living in this beautifully designed custom home offering 3,949 sq. ft., 4 bedrooms, 2.5 bathrooms, a separate bonus guest suite, and a 3-car garage with workshop and abundant storage, privately situated on 4.59 acres. Distinctive architecture and light-filled interiors connect beautifully with the natural surroundings. Expansive windows frame sweeping views of rolling hills and lush valleys, with a glimpse of the ocean in the distance. All main living areas are conveniently located on one level, while decks create an effortless indoor-outdoor flow for relaxing and entertaining. The expansive property offers exceptional versatility with room for an ADU, RV parking, an orchard and gardens. Additional highlights include newer dual-pane windows, air conditioning, an outdoor kitchen with pizza oven, spacious backyard and entertaining patio, owned solar: 11kW with 2 Tesla Powerwall whole-home battery backup system. NEM2 rates. Located on a private cul-de-sac near Aptos Village, restaurants, shopping, beaches and The Forest of Nisene Marks State Park, this special property offers easy access to the best of the Aptos lifestyle. A rare combination of acreage, privacy, views, versatile living spaces and thoughtful amenities in a distinctive custom home.

200 Marthas Way, Aptos

$495,000

2 Beds ⋅ 2 Baths ⋅ ML82058577 MLS ⋅ Active Status ⋅ Aptos Knoll BLDG.

Here is an opportunity to live in beautiful Aptos. This lovely mobile home is ready for your special touches. Full of potential. Designed with spacious living and dining rooms. The large and bright kitchen has been updated. The primary bedroom suite has a larger closet and ample dressing area with a second closet. You have a laundry room with storage. There is a nice patio with outdoor space and a storage shed. The park has a great clubhouse with lots of activities. This is a 55+ park with plenty of amenities. There is a community pool, hot tub and a great clubhouse with lots of activities, You are minutes to the beach, shopping and dining. How nice to be able to wander to the Village, or the forest of Nisene Marks State Park from your new home. Ready for your move in!

49 Knollwood Drive Unit 49, Aptos

$11,900,000

5 Beds ⋅ 6 Baths ⋅ ML82057791 MLS ⋅ Active Status ⋅ Seacliff Beach Association BLDG.

One of the finest oceanfront estates on the Monterey Bay. Completed in 2009 & extensively renovated & refreshed in 2026, the home seamlessly blends coastal elegance with modern luxury. Ideally positioned as the first residence beyond the gates, it offers convenience, enhanced privacy, & protection. Designed for indoor-outdoor living & entertaining, the property features more than 3,000 square feet of outdoor space. The beachfront level opens through three folding walls of glass to a covered patio & oceanfront lawn with fire-pit lounge. This level includes a billiards recreation room, kitchenette, interior/exterior wet bar, bath, & two enclosed outdoor showers all steps from the sand. A dramatic staircase or elevator leads to the main level, where vaulted ceilings, French white oak floors, & walls of glass frame spectacular ocean views. The great room opens to an expansive wraparound deck with outdoor fireplace & multiple lounge areas. A gourmet kitchen, multiple dining spaces, fireplace, media room, two guest suites, & powder room complete this level. Upstairs, two additional bedrooms & a bath accompany the primary retreat, with sweeping ocean views & private balcony. An oversized three-car garage completes this extraordinary residence designed to live as beautifully as it looks.

725 Las Olas Drive, Aptos

$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

$999,000

3 Beds ⋅ 3 Baths ⋅ ML82056773 MLS ⋅ Active Status

Take advantage of Special Builder Pricing combined with Builder Promotional Financing at a low, fixed 4.99% interest rate. This thoughtfully designed floorplan offers the perfect blend of comfort and flexibility, ideal for a full-time residence, weekend retreat, or investment opportunity. The open-concept living space is complemented by quality finishes, including stainless steel kitchen appliances, a full-size washer and dryer, tankless water heater, and a cozy gas fireplace and gas stove. Durable vinyl plank flooring runs throughout, combining style with water resistance and everyday practicality. Each bedroom provides a peaceful retreat, while energy-efficient, ultra-quiet mini-split systems ensure year-round comfort. New construction in Santa Cruz County is rare, making this an exceptional opportunity to own near The Forest of Nisene Marks State Park, local beaches, and Aptos Village shops, dining, coffee, wine tasting, and brewery. Enjoy coastal living with convenience, community, and unforgettable access to the Aptos beaches just moments away.

126 Aptos Village Way Unit 3, Aptos

$4,375,000

3 Beds ⋅ 3 Baths ⋅ ML82056664 MLS ⋅ Active Status ⋅ Potbelly Beach Club, Llc BLDG.

On the sand and beautiful Monterey Bay. A private, gated driveway leads to the homes on Potbelly Beach. Launch the kayak and watch the sea life from this delightful home. Here is your ocean sanctuary. The views span east to west. The windows in the living room frame the ocean. There are large sliding doors from the living and dining rooms open to the deck above the beach, with the perfect indoor-outdoor living. Great open flow for entertaining. Numerous updates include lovely mahogany paneled walls, tile floors, wonderful built in dressers and storage, radiant heat, and custom windows and doors. There are two en suites. The primary bedroom has a balcony looking to the sunset. All the bedrooms have their own unique vistas. You are close to all the amenities of Aptos and Capitola. An easy commute location. Here is a place to retreat, to play and enjoy life on the bay.

10 Potbelly Beach Road, Aptos

$699,500

2 Beds ⋅ 1 Baths ⋅ ML82055876 MLS ⋅ Active Status ⋅ Sea Breeze BLDG.

Seller financing at 5.5% for 3yrs w/25% down may be considered. Enjoy a relaxed coastal lifestyle in this well-located 2BR Sea Breeze townhome. Tucked away on a cul-de-sac at the back of the community, the location offers minimal traffic, and puts you in the prime spot for walking to Seacliff State Beach, local favs like Mariannes Ice Cream and Pizza My Heart, Safeway, Peets Coffee, and more. The home offers a remodeled kitchen with solid wood cabinets, granite counters, brand new stove and a newer fridge, a cozy dining area, convenient inside washer/dryer hook-ups, along with a remodeled bathroom. A sliding glass door opens to a fenced and private backyard where you can enjoy a relaxed setting for al fresco dining with no neighbors behind you - just greenery. A gated front courtyard gives you privacy from the street, a pleasant garden view from the living room, and another inviting space for getting your hands in the soil, or just being outside to enjoy that recognizable smell of salt air. In addition to parking, the detached one-car garage includes loft storage to keep your beach gear and other essentials organized. Whether you are looking for a full-time residence, a weekend getaway, or an investment near the beach, this home and this location should be checking all the boxes.

406 Sailfish Drive, Aptos

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