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631 Almar Avenue — Santa Cruz — 3 Beds • 2 Baths • 1,452 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+13 more

$1,459,000

0 DOM

$1,005/sqft3 bd2 ba1,452 sqft

Call

631 Almar Ave Santa Cruz, CA 95060

5,662sqft lot

Great house and amazing walkable location in westside Santa Cruz. Three bedrooms and two full bathrooms across 1,452 square feet of living space. Plus one more room for an office or other options. After being a long term rental the house needs some care Unique to this property is a bay window that enhances the living room space with with natural light. The dining area has a smaller bay window that catches the morning sun to warm and light up the dining area adjacent to the kitchen. Several skylights throughout the house add even more natural light. The one car garage+ has a washer dyer and a small area that looks like it has been used as a good workshop. Walkability is undeniably incredible at this location. The house is in a wonderful residential area and yet you are only a few blocks from New leaf grocery store and that whole artsy west side complex of numerous restaurants, coffee shops and pop up events. Turn to the right and you are almost across the street from a park. Turn right again and look to the ocean which is only 20 houses away along with Mitchell's cove. Up the coast from there a ways are tidepools and Natural Bridges State Park where the monarchs overwinter. Down the coast is Lighthouse Field State Beach. Is it possible to find a better located house?

MLS ML82038712

(831) 417-3106 (Office) 831-227-6930 (Cell) dennisbcasey@gmail.com

Est. payment

$9,323/mo

Principal & interestTaxesInsurance

$7,377$1,520$426

Down %

Rate %

Years

Down payment: $291,800 · Total cost: $2,947,699

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$9,323/mo

Principal & interest: $7,377
Est. property tax: $1,520
Est. insurance: $426
Down payment: $291,800

Est. gross rent$6,079/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)$-3,244/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.