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1585 San Andreas Road — Watsonville — 1,515 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+24 more

$1,099,000

19 DOM

$725/sqft— bd— ba1,515 sqft

Call

1585 San Andreas Rd Watsonville, CA 95076

5,184sqft lot

Set in the quiet community of La Selva Beach, this property offers flexibility, lots of natural light, and is only about a half mile to Manresa State Beach. The home is currently configured as two units, with an upstairs recently remodeled 2-bedroom, 1-bath, featuring hardwood floors, dual pane windows, inset LED lighting, and a fully updated kitchen and bath. Downstairs is a studio unit with a separate entrance, its own kitchen and bathroom, ideal for extended living, rental income, or guest space. An interior staircase connects both levels, allowing for an easy transition back to a single-family layout if desired. Outdoor spaces are a standout, with multiple sunny decks, patios, and a terraced backyard that includes a chicken coop, a large storage shed and plenty of space to garden or entertain. The lot also offers ample open parking. Currently tenant-occupied with reliable occupants in place, this is a property that works equally well as an investment, a flexible living setup, or a future coastal home. Come and see this La Selva gem!

MLS ML82040212

(831) 457-5500 (Office) 831-334-4727 (Cell) mcnabbrealestate@gmail.com

Est. payment

$7,023/mo

Principal & interestTaxesInsurance

$5,557$1,145$321

Down %

Rate %

Years

Down payment: $219,800 · Total cost: $2,220,371

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$7,023/mo

Principal & interest: $5,557
Est. property tax: $1,145
Est. insurance: $321
Down payment: $219,800

Est. gross rent$4,579/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)$-2,444/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.