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704 Encino Drive — Aptos — 3 Beds • 2 Baths • 1,200 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

OPEN APR 18 · 1PM – 4PM

+38 more

$895,000

0 DOM

$746/sqft3 bd2 ba1,200 sqftHOA ~21/mo

Call

704 Encino Dr Aptos, CA 95003

5,401sqft lot

Beautifully remodeled 3 bedroom, 2 bathroom home with an office/bonus room in a desirable Aptos neighborhood. Privately positioned on a quiet, tucked away street, this home offers a serene setting with minimal traffic. Enjoy stunning views of the surrounding trees from the upstairs deck, along with a fenced yard below for outdoor living and entertaining. Carport parking completes this comfortable and inviting home. Located minutes from Rio del Mar beaches, Seascape Golf Course, and countless other Aptos amenities.

MLS ML82039082

831-426-4100 (Office) 831-706-7349 (Cell) nbailey@baileyproperties.com

Est. payment

$5,739/mo

Principal & interestTaxesInsuranceHOA

$4,526$932$261$21

Down %

Rate %

Years

Down payment: $179,000 · Total cost: $1,808,219

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$5,739/mo

Principal & interest: $4,526
Est. property tax: $932
Est. insurance: $261
HOA (normalized / mo): $21
Down payment: $179,000

Est. gross rent$3,729/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-2,010/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.

Price History

Event	Date	Price	Change
Listed	Apr 15, 2026	$895,000	—

Facts & Features

Transaction Data

HOA Fee$250/annually

Structure & Property

Year Built1961

831-426-4100 (Office) 831-706-7349 (Cell) nbailey@baileyproperties.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

704 Encino Drive, Aptos, CA 95003

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704 Encino Dr Aptos, CA 95003

About this home

Nick Bailey

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Nick Bailey

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

704 Encino Drive, Aptos, CA 95003

About This Property

Property Photos

704 Encino Dr Aptos, CA 95003

About this home

Nick Bailey

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Nick Bailey

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.