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117 Gault Street B — Santa Cruz — 2 Beds • 2 Baths • 1,125 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+37 more

$924,500

18 DOM

$822/sqft2 bd2 ba1,125 sqftHOA ~523/mo

Call

117 Gault St B Santa Cruz, CA 95062

958sqft lot

Nestled in the heart of the highly coveted Seabright neighborhood, 117 Gault St. Unit B offers a quintessential Santa Cruz lifestyle defined by coastal charm and everyday convenience. As you arrive, you're welcomed by a beautifully landscaped, fenced front yard, a private, sun-drenched setting ideal for gardening, relaxing, or enjoying the coastal breeze. Inside, the home opens into an expansive great room designed for both comfort and connection. Anchored by a cozy fireplace, the space is filled with natural light, creating a warm and airy ambiance throughout the day. Glass doors open to a private balcony, offering a peaceful spot for morning coffee or unwinding in the evening. The attached two-car garage is conveniently located with direct access, providing ample space for vehicles, bikes, and surfboards. Location is everything in Seabright. From this prime address, you're just moments from Seabright Beach, the Santa Cruz Yacht Harbor, and the vibrant Midtown district. Enjoy easy access to local favorites like The Buttery and Verve Coffee, as well as some of the area's most beloved restaurants. Whether you're seeking a relaxed coastal retreat or an active Santa Cruz lifestyle, this home offers the best of both.

MLS ML82040206

831-708-1663 (Office) 831-440-6733 (Cell) shawndy.linquist@compass.com

Est. payment

$6,431/mo

Principal & interestTaxesInsuranceHOA

$4,675$963$270$523

Down %

Rate %

Years

Down payment: $184,900 · Total cost: $1,867,819

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$6,431/mo

Principal & interest: $4,675
Est. property tax: $963
Est. insurance: $270
HOA (normalized / mo): $523
Down payment: $184,900

Est. gross rent$3,852/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)$-2,579/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.