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116 Goss Court — Santa Cruz — 2 Beds • 3 Baths • 1,132 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+18 more

$1,065,000

11 DOM

$941/sqft2 bd3 ba1,132 sqftHOA ~200/mo

Call

116 Goss Ct Santa Cruz, CA 95065

4,617sqft lot

Fall in love the moment you arrive at this nicely designed and lovingly maintained home, tucked within the charming Goss Street Cottages, a private enclave of eight single-family homes offering a rare blend of privacy and a close-knit community feel. Step inside to a light-filled interior with thoughtful features throughout, including two in-suite bedrooms, inside laundry, hardwood floors, granite countertops, stainless steel appliances, and double-pane windows, all combining comfort, style, and functionality in a move-in-ready package. This home lives larger than expected, with tall ceilings on the lower level creating an open and airy sense of space that enhances everyday living. Step outside to a private backyard retreat, where you can enjoy the area's coveted banana belt weather, host gatherings on the patio, or make use of the 6X8 outbuilding as a playhouse, garden or hobby space. This prime Midtown location provides easy access to Highway 1, nearby schools, and an abundance of parks, trails, shops, and restaurants, all just a short walk or bike ride away. Thoughtfully designed for easy, carefree living, this home frees up your time to fully enjoy the best of the Santa Cruz lifestyle. A wonderful place to call home in a location and a neighborhood that truly delivers.

MLS ML82041391

831-429-5700 (Office) 831-359-5454 (Cell) janetromanowski32@gmail.com

Est. payment

$7,005/mo

Principal & interestTaxesInsuranceHOA

$5,385$1,109$311$200

Down %

Rate %

Years

Down payment: $213,000 · Total cost: $2,151,679

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$7,005/mo

Principal & interest: $5,385
Est. property tax: $1,109
Est. insurance: $311
HOA (normalized / mo): $200
Down payment: $213,000

Est. gross rent$4,438/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)$-2,567/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.