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2603 Monterey Avenue — Soquel | Belmont Brokerage | Belmont Brokerage

ActiveUnderContract

+14 more

$3,500,000

351 DOM

— bd— ba— sqft

Call

2603 Monterey Ave Soquel, CA 95073

3.50acre lot

3.5-acre parcel in the heart of Soquel, recently re-zoned (RF-Min) for high-density residential and mixed-use development. Zoning designation offers an expedited, ministerial approval process no public hearings required and is exempt from CEQA, placing your project on the fast track. Potential for approximately 140± units, this property presents a significant opportunity to create a transformative residential or mixed-use community in one of Santa Cruz County's most desirable areas. The location is unbeatable: just minutes from New Brighton State Beach, Cabrillo College, Capitola Village, and major transportation lines. . Top-rated schools and coastal amenities enhance long-term appeal. As a designated Housing Element site, this parcel is aligned with mandates to increase housing supply. The County Planning Department supports streamlined development, imposing no additional County standards or discretionary reviews. This is more than land it's a ready-made opportunity for developers looking to deliver housing with fewer barriers and faster timelines in a sought-after coastal market. The property includes two existing homes served by natural gas, public sewer, and a private well. Public water is at street with available allocations through Soquel Creek Water District.

MLS ML81990268

(831) 688-6461 (Office) 831-818-2375 (Cell) paul.cuccia@cbnorcal.com

Est. payment

$22,365/mo

Principal & interestTaxesInsurance

$17,698$3,646$1,021

Down %

Rate %

Years

Down payment: $700,000 · Total cost: $7,071,246

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$22,365/mo

Principal & interest: $17,698
Est. property tax: $3,646
Est. insurance: $1,021
Down payment: $700,000

Est. gross rent$14,583/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)$-7,782/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.