419 Cedar

Santa Cruz, CA 95060

$1,495,000

0.11 acres
Built 1928

Listed by Listed Simply · MLS #SW26232965

Listing status & updates

MLS last changed: Not supplied by this listing source
Availability last checked: No per-listing check is recorded

Source changes and availability checks are different. A website import or photo check does not confirm that a property is still available. Confirm availability with the listing agent. Ask about the listing status

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419 Cedar, Santa Cruz, CA 95060 · MLS #SW26232965

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A FEW THINGS TO NOTICE

What stands out.

Living spaces

Privately situated behind the main home, the detached Elm Street cottage (360sqft) offers 1 bedroom and 1 bathroom, creating an ideal opportunity for rental income, multigenerational living, guest accommodations, or additional personal space.

Year built

Built in 1928.

Property size

0.11 acres listed.

Highlights from the listing description and property details. Confirm features with the listing agent.

THE PROPERTY

Get to know the property.

TWO DETACHED HOMES IN THE HEART OF DOWNTOWN SANTA CRUZ! Discover a rare opportunity to own a charming duplex featuring two separate residences at 419 Cedar Street and 209 Elm Street, offering exceptional flexibility for homeowners, investors, and those seeking a unique live-work opportunity. Street parking is available through the City’s residential permit parking program, with four parking permits and two guest permits allocated to the property.

The main Cedar Street residence (1,224sqft) features 2 bedrooms, a dedicated office, and 1 bathroom, blending classic Santa Cruz character with modern updates, including fresh interior and exterior paint, updated flooring, and lighting. Privately situated behind the main home, the detached Elm Street cottage (360sqft) offers 1 bedroom and 1 bathroom, creating an ideal opportunity for rental income, multigenerational living, guest accommodations, or additional personal space. Both residences are recognized as legal dwelling units.

Enjoy abundant gated, private outdoor living areas, providing peaceful spaces to relax, entertain, or enjoy the coastal climate right in the middle of downtown. Zoned Community Commercial (CC), the property also offers intriguing possibilities for residential and commercial uses, subject to city approval.

LOCATION, LOCATION, LOCATION! Step outside and experience the best of Santa Cruz living. Walk to downtown restaurants, coffee shops, boutiques, theaters, live music, nightlife, farmers markets, and the vibrant local arts scene. The Santa Cruz Beach Boardwalk, Wharf, and beautiful beaches are approximately 0.7 miles away, while the majestic redwood forests are just a short drive from your doorstep.

Rich in local history, 419 Cedar Street was once home to Chimney Sweep Books, a beloved Santa Cruz shop specializing in rare and antiquarian books.

Whether you’re looking to live in one home and rent the other, expand your investment portfolio, or explore the possibilities of a flexible downtown property, this distinctive duplex offers an exceptional combination of location, character, privacy, and opportunity.

Two detached homes. One incredible downtown Santa Cruz location. Endless possibilities!

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THE NEIGHBORHOOD

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419 Cedar, Santa Cruz, CA 95060

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THE DETAILS

The details, all in one place.

Property type: ResidentialIncome
Category: Residential
Year built: 1928
Garage spaces: 0
Heating: Central
Appliances: GasCooktop
Flooring: Vinyl
Utilities: CableConnected,ElectricityConnected,NaturalGasConnected
Fencing: Wood
Pool: No
Pool features: None
Spa: No
Parcel: 00514701000

Features and school information are supplied by the listing source. Confirm measurements, school assignments, HOA terms and rental restrictions before making a decision.

Investor outlook Rental potential, ownership costs and property management

OWNERSHIP, WITH A PLAN

Investor outlook.

Explore this property’s rental potential with an all-cash purchase. Monthly rent starts at 5% of the purchase price per year, divided by 12. Adjust it and the other assumptions to explore your scenario.

These are planning assumptions, not a rental appraisal or a loan quote. The starting rent is a price-based estimate; a local leasing professional can help confirm market rent.

Investor outlook assumes an all-cash purchase. No mortgage payment is deducted.

Estimated monthly cash flow · cash purchase—

Estimated monthly rent$6,229.17

Cap rate—

Annual operating income: —

HOA: No HOA cost is included because the listing source does not report one. Confirm whether HOA dues apply before relying on this estimate.

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Purchase price

Rental income & operating costs

Estimated monthly rent

Purchase price × 5% ÷ 12. Updates with purchase price until you enter a custom rent.

Vacancy allowance (%) Management fee (%) Maintenance reserve (%) Capital reserve (%)

Annual property tax

Annual insurance

Annual insurance starts at purchase price × 0.25%, rounded to the nearest available amount. Updates with purchase price until you choose another amount.A planning estimate, not an insurance quote. Adjust it for your property and coverage.

Monthly HOA

Other monthly costs

Percentages are editable examples, not ERA fee quotes. Management is applied to rent after vacancy; maintenance and capital reserves use scheduled rent. Add owner-paid utilities, mortgage insurance and other recurring expenses under other costs.

How this scenario is calculated

Annual operating income is rent after vacancy, management, maintenance, taxes, insurance, HOA and other operating costs, before financing and capital reserves. Cap rate divides annual operating income by purchase price. Estimated monthly cash flow assumes an all-cash purchase: rent after vacancy, management, maintenance, taxes, insurance, HOA, other operating costs and capital reserves. No mortgage payment is deducted. The mortgage calculator is separate; loan payments would reduce cash flow for a financed purchase. One-time acquisition costs, renovations, income taxes, depreciation and appreciation are excluded.

Mortgage payment calculator

Explore financing separately. These loan settings do not change the all-cash investor outlook.

Mortgage assumptions

Down payment (%) Interest rate (%) Loan term

20% down and 7% interest are illustrative starting values.

Estimated monthly principal & interest—Loan payment only. Excludes property taxes, homeowners/flood insurance, mortgage insurance and HOA dues.

About this payment estimate

Based on a fixed-rate, fully amortizing loan with monthly payments and the price, down payment, interest rate and term you select. The interest rate is an example, not a current rate offer or APR; APR includes certain loan costs. This is an illustration, not a Loan Estimate, approval, offer of credit or commitment to lend.

Your actual payment, rate and eligibility depend on your lender, credit, loan program and property. Closing costs, points, prepaid expenses and lender fees are not included. Taxes and insurance may change, and mortgage insurance may be required, particularly with a down payment below 20%. Ask your lender for a Loan Estimate and a complete monthly payment including applicable taxes, insurance and fees.

Dollar results are rounded to the nearest cent; calculations retain precision until display. A cash purchase has no loan payment but still has ownership costs. Understand your total home payment (CFPB).

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Listing information

MLS #SW26232965 · California Regional MLS

Listing brokerage: Listed Simply
Listing agent: Sinan Zakaria

Listing status: Active. MLS last changed: not supplied. Availability last checked: not recorded. Confirm current availability and price with the listing agent.

The multiple listing data appearing on this website, or contained in reports produced therefrom, is owned and copyrighted by California Regional Multiple Listing Service, Inc. "CRMLS" and is protected by all applicable Copyright © 2023 laws. Information provided is for viewer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the viewer may be interested in purchasing. All listing data, including but not limited to square footage and lot size is believed to be accurate, but the listing Agent, listing Broker and CRMLS and its affiliates do not warrant or guarantee such accuracy. The viewer should independently verify the listed data prior to making any decisions based on such information by personal inspection and/or contacting a real estate professional. Information deemed reliable but not guaranteed. Copyright © 2023 California Regional Multiple Listing Service, Inc. All rights reserved.