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113 Lauren Circle — Scotts Valley — 5 Beds • 4 Baths • 5,661 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+134 more

$3,850,000

17 DOM

$680/sqft5 bd4 ba5,661 sqftHOA ~26/mo

Call

113 Lauren Cir Scotts Valley, CA 95066

42,253sqft lot

This is your opportunity to own perhaps the most iconic home in Scotts Valley's premier neighborhood - Granite Creek Estates. This impressive French Normandy-inspired Estate, boasting 5,500+ sf of living space, rests on an idyllic acre of land in a park-like setting. Grand, yet surprisingly warm, this home features 5 bedrooms (including a ground-floor ensuite), an office, 3.5 bathrooms, 10ft ceilings & a view from every window. Designed for entertaining & everyday living, the thoughtful floor plan features formal spaces in the front of the home & a warm country kitchen w/ a cheery breakfast nook overlooking the backyard & gardens. The spacious primary retreat has a cozy reading alcove w/ private balcony & a spa-like bath w/ radiant-heat floors, walk-in shower & luxurious soaking tub w/ mountain views. Other amenities include real hardwood floors, solar + car charger, water treatment system, air conditioning, 2-car garage w/ workshop & an expansive wraparound deck that connects the home to the outdoors. The majestic backyard is adorned w/ blooming trees, meandering pathways & secluded patios set above a manicured redwood grove. This rare oasis is ideally located between Silicon Valley and the beaches of Santa Cruz. On a scale of 1-10, this is a 20! Welcome home, you belong here.

MLS ML82038579

(831) 438-6215 (Office) 831-252-2972 (Cell) mandy@communityrealestate.biz

Est. payment

$24,627/mo

Principal & interestTaxesInsuranceHOA

$19,468$4,010$1,123$26

Down %

Rate %

Years

Down payment: $770,000 · Total cost: $7,778,370

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$24,627/mo

Principal & interest: $19,468
Est. property tax: $4,010
Est. insurance: $1,123
HOA (normalized / mo): $26
Down payment: $770,000

Est. gross rent$16,042/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)$-8,585/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.