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1555 Merrill Street — Santa Cruz — 2 Beds • 2 Baths • 1,052 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+34 more

$549,000

0 DOM

$522/sqft2 bd2 ba1,052 sqft

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1555 Merrill St Santa Cruz, CA 95062

New 2026 home in Shoreline Estates, a 55+ community in Live Oak. 2-bedroom, 2-bath floor plan with den, open living area, recessed ceiling detail, recessed lighting, ceiling fan, and wide-plank flooring in the main living spaces. The kitchen includes an island with a sink, bar seating, gray cabinetry, and stainless steel appliances. The utility room offers a laundry area and extra storage. Bathrooms feature quartz-style counters, and the hall bath includes a tub/shower combo. Near Sunny Cove Beach, local restaurants, shops, breweries, and the Live Oak/Eastside Farmers' Market. Easy access to shopping and Highway 1.

MLS ML82043174

(831) 688-6461 (Office) 831-227-6901 (Cell) nico@nicovargasrealty.com

Est. payment

$3,508/mo

Principal & interestTaxesInsurance

$2,776$572$160

Down %

Rate %

Years

Down payment: $109,800 · Total cost: $1,109,175

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$3,508/mo

Principal & interest: $2,776
Est. property tax: $572
Est. insurance: $160
Down payment: $109,800

Est. gross rent$2,288/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)$-1,220/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	$549,000	—

Facts & Features

Structure & Property

Year Built2026

(831) 688-6461 (Office) 831-227-6901 (Cell) nico@nicovargasrealty.com

Sale & Tax History

No Recent Sales History

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

Location

1555 Merrill Street, Santa Cruz, CA 95062

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1555 Merrill St Santa Cruz, CA 95062

About this home

Nico Vargas

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Structure & Property

Nico Vargas

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.

1555 Merrill Street, Santa Cruz, CA 95062

About This Property

Property Photos

1555 Merrill St Santa Cruz, CA 95062

About this home

Nico Vargas

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Structure & Property

Nico Vargas

Sale & Tax History

No Recent Sales History

Location

Location

Listing Agent

Presented by Belmont Brokerage Inc.