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120 Maple Street — Santa Cruz — 4 Beds • 1 Bath • 1,312 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+23 more

$1,259,000

0 DOM

$960/sqft4 bd1 ba1,312 sqft

Call

120 Maple St Santa Cruz, CA 95060

3,615sqft lot

A perfect home for a 1031 exchange or college rental! This Historic Victorian Gem in Prime Downtown Santa Cruz has exceptional opportunities awaiting nestled in the heart of Santa Cruz. This 4 bedroom, 1 bathroom combines vintage character with an unbeatable downtown location, just minutes from the iconic Boardwalk and pristine beaches. Step inside to discover soaring ceilings that create an airy, expansive feel throughout this classic home. The inviting living space centers around a beautiful fireplace, perfect for cozy gatherings on cool coastal evenings. Abundant natural light highlights the home's period details and thoughtful layout. Outdoor living shines on both the welcoming front porch which is perfect for watching the world go by with your morning coffee and also has a generous back patio. The private rear outdoor retreat provides an ideal setting for afternoon barbecues or evening entertainment under the stars, offering a peaceful escape from the vibrant downtown energy just steps away. Positioned in the coveted CBD (Central Business District) zone, this property offers remarkable versatility for its next owner. Maintain it as a rental or convert it to your personal residence or explore the endless commercial possibilities the CBD zoning gives you.

MLS ML82043001

(888) 584-942... (Office) 831-515-8133 (Cell) joepratherrealtor@gmail.com

Est. payment

$8,044/mo

Principal & interestTaxesInsurance

$6,366$1,311$367

Down %

Rate %

Years

Down payment: $251,800 · Total cost: $2,543,628

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$8,044/mo

Principal & interest: $6,366
Est. property tax: $1,311
Est. insurance: $367
Down payment: $251,800

Est. gross rent$5,246/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)$-2,798/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	$1,259,000	—

Facts & Features

Structure & Property

Year Built1885

(888) 584-942... (Office) 831-515-8133 (Cell) joepratherrealtor@gmail.com

Sale & Tax History

No Recent Sales History

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

Location

120 Maple Street, Santa Cruz, CA 95060

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Call

120 Maple St Santa Cruz, CA 95060

About this home

Joe Prather

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Structure & Property

Joe Prather

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

120 Maple Street, Santa Cruz, CA 95060

About This Property

Property Photos

120 Maple St Santa Cruz, CA 95060

About this home

Joe Prather

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Structure & Property

Joe Prather

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.