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735 Eaton Street — Santa Cruz — 2 Beds • 2 Baths • 1,660 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

OPEN APR 18 · 1PM – 4PM

+31 more

$1,299,000

0 DOM

$783/sqft2 bd2 ba1,660 sqft

Call

735 Eaton St Santa Cruz, CA 95062

5,053sqft lot

Ultimate beachside retreat just minutes from the Santa Cruz Harbor, Twin Lakes Beach, and Seabright, with popular local spots like the Crows Nest, Harbor Cafe, and nearby parks all within easy reach.This versatile 2-bedroom, 2-bath home with a permitted ADU offers flexibility for extended living, guests, or rental income. Freshly updated with new carpet and interior paint, the home is move-in ready while still offering opportunity to make it your own. The single-level main residence features an open floor plan with high ceilings, abundant natural light, and a seamless flow between living spaces. The inviting living room creates a comfortable gathering space, while the kitchen provides generous counter space and ample cabinetry. Whether you're looking for a full-time residence, vacation getaway, or investment opportunity, this property combines location, functionality, and coastal lifestyle.

MLS ML82043043

(831) 204-7884 (Office) 831-334-6266 (Cell) lindsyknapprealty@gmail.com

Est. payment

$8,300/mo

Principal & interestTaxesInsurance

$6,568$1,353$379

Down %

Rate %

Years

Down payment: $259,800 · Total cost: $2,624,442

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$8,300/mo

Principal & interest: $6,568
Est. property tax: $1,353
Est. insurance: $379
Down payment: $259,800

Est. gross rent$5,413/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)$-2,887/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	$1,299,000	—

Facts & Features

Structure & Property

Year Built1948

Garage Spaces1

(831) 204-7884 (Office) 831-334-6266 (Cell) lindsyknapprealty@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

735 Eaton Street, Santa Cruz, CA 95062

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Call

735 Eaton St Santa Cruz, CA 95062

About this home

Lindsy Knapp

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Structure & Property

Lindsy Knapp

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

735 Eaton Street, Santa Cruz, CA 95062

About This Property

Property Photos

735 Eaton St Santa Cruz, CA 95062

About this home

Lindsy Knapp

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Structure & Property

Lindsy Knapp

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.