Santa Cruz Homes under $1.5 million

Welcome to Santa Cruz, California – a coastal gem nestled between the majestic redwoods and the sparkling Pacific Ocean. Known for its vibrant community, stunning beaches, and laid-back atmosphere, Santa Cruz offers a unique blend of natural beauty and urban charm. With its iconic boardwalk, thriving arts scene, and outdoor adventures at every turn, this city is a haven for those seeking a balanced lifestyle.

In Santa Cruz, homebuyers will be delighted to discover a variety of properties available under $1.5 million. Whether you’re looking for a cozy beach cottage, a modern family home, or a charming bungalow, there’s something for everyone in this diverse real estate market. The homes in this price range often feature spacious layouts, beautiful gardens, and easy access to local amenities, making them perfect for families, retirees, or anyone looking to embrace the Santa Cruz lifestyle.

Imagine waking up to the sound of waves crashing and enjoying your morning coffee on a sunlit patio. With properties located just minutes from the beach, you can take advantage of all that Santa Cruz has to offer – from surfing and hiking in the nearby redwood forests to indulging in the local cuisine at farmer's markets and popular eateries.

Santa Cruz is not just a place to live; it’s a community that welcomes you with open arms. With its friendly neighborhoods, excellent schools, and a plethora of recreational activities, it’s no wonder that so many are drawn to call this enchanting city home. Explore your options today and find your perfect slice of paradise in Santa Cruz!

Newest Santa Cruz Homes under $1.5 million

$650,000

2 Beds ⋅ 2 Baths ⋅ ML82063460 MLS

Ultimate Live/Work Compound in Midtown Santa Cruz, CA. Unlock the ultimate coastal lifestyle with this rare mixed-use masterpiece in the sun-drenched "Banana Belt." Nestled in trendy, walkable Midtown Santa Cruz, just steps from the Rio Theatre, The Buttery, and local craft breweries, this unique complex offers high-visibility commercial real estate paired with a deeply private residential retreat. Commercial Potential: Command premier attention with a high daily traffic volume of 12K31K vehicles. The versatile storefront features soaring open-concept ceilings and flexible entry options, perfect for an upscale boutique, showroom, or professional agency. Private Residence is a hidden 1,400 SF, 2-story oasis featuring 2 bedrooms and 2 bathrooms. Step outside to an incredibly private, 600 SF gated patio and garden courtyard, for quiet mornings or evening entertaining. Rustic Structure, a separate 1,200 sq. ft. rear structure radiating an authentic arts-and-crafts vibe. Currently a bike shop, it's a blank canvas for a world-class music studio, creative agency, or maker-space. Embrace hipster-chic energy with premier commercial presence. Permitted street parking available. Experience the perfect synergy of business and sanctuary. Tenancy In Common buys 50 percent of entire property.

1250 Soquel AVE, Santa Cruz

Listed by Paul Zech, 831-247-3007 from Coldwell Banker Realty
(If provided) CoList: from

$1,099,000

3 Beds ⋅ 2 Baths ⋅ ML82062663 MLS

In the heart of downtown Santa Cruz, this versatile duplex puts you at the center of one of California's most vibrant and eclectic coastal communities. With two separate living spaces, the property offers exceptional flexibility for investors, owner-occupants or multigenerational living. The light-filled upper residence features 2 bedrooms and 1 full bath. Downstairs, a private studio with its own full kitchen and bath creates an ideal opportunity for rental income, extended family or guests. Outside, a lush and private backyard provides an unexpected urban oasis, with mature greenery, a relaxing sauna and inviting spaces for morning coffee, outdoor dining and gardening. Leave the car behind and enjoy easy access to downtown restaurants, shops and entertainment, with the Wharf, Boardwalk, beaches and West Cliff all close by. Whether you're looking to rent both units, live in one while generating income from the other, or create a flexible multigenerational home, this unique property offers an opportunity to enjoy the best of the Santa Cruz lifestyle.

212 Cedar ST, Santa Cruz

Listed by Kasey Hinchman, 831-239-3708 from David Lyng Real Estate
(If provided) CoList: from

$1,250,000

3 Beds ⋅ 3 Baths ⋅ ML82063347 MLS

The spacious floor plan provides plenty of room for everyday living and entertaining, with well-proportioned living spaces and a natural connection to the outdoors. Large windows bring in abundant natural light, while the expansive yard offers room to garden, play, entertain, or simply enjoy the privacy of your own outdoor space. The home has seen thoughtful updates while retaining much of the architectural simplicity and character that make this era of design so appealing. For those looking to put their own stamp on a home, there is also ample opportunity to further update and personalize the spaces to reflect your own style and vision. The location adds another layer of appeal. Tucked into a Santa Cruz neighborhood, the home offers easy access to Highways 1 and 17, making it simple to get to the coast, downtown, surrounding communities, and beyond. Nearby hiking trails and open space invite you outdoors, while local recreational amenities, including a frisbee golf course, are close at hand.

131 Woodcrest PL, Santa Cruz

Listed by Christy Whiting Wohlert, 831-218-5911 from David Lyng Real Estate
(If provided) CoList: from

$1,348,000

4 Beds ⋅ 2 Baths ⋅ ML82061032 MLS

Ocean view with endless potential. Perfectly situated in one of the area's highly desirable coastal pockets, just steps from Santa Maria Beach and Sunny Cove! A truly rare opportunity just steps from the sand, surf, and local favorites. First time on the market in over 40 years, this fixer-upper offers exceptional potential to customize and take advantage of an ocean view. Bring your ideas and unlock this property's full potential.

21825 E Cliff DR, Santa Cruz

Listed by Shannon Wagner, 408-655-8010 from Christie's International Real Estate Sereno
(If provided) CoList: from

$1,050,000

3 Beds ⋅ 3 Baths ⋅ ML82063096 MLS ⋅ Isbel Court BLDG.

Rarely available in Carbonera Estates, this spacious tri-level townhome is peacefully positioned near the end of quiet Isbel Court, feeling tucked away from it all while keeping the best of Santa Cruz close at hand. Surrounded by greenery, this 3-bedroom, 2.5-bath home offers approximately 1,774 SF of light-filled living, outdoor decks and a wonderful connection to nature. Vaulted ceilings, abundant windows and greenbelt views create an airy, open feel, while the decks invite you outside to relax, entertain and enjoy the setting. The tri-level floor plan provides wonderful separation of space. The generous primary suite enjoys its own levela private retreat with a walk-in closet and deck. Two additional bedrooms offer flexibility for guests or a home office. An attached one-car garage, guest parking and the quiet cul-de-sac setting add everyday convenience. Carbonera Estates offers approximately 16 acres of park-like grounds with mature landscaping, gardens and a pond, all just minutes from the heart of Santa Cruz, beaches, dining, shopping, golf and commuter routes. Spacious, peaceful and connected to both nature and town, this is a special opportunity to enjoy the Santa Cruz lifestyle.

813 Isbel CT, Santa Cruz

Listed by MaryBeth McLaughlin, 831-252-4085 from Room Real Estate
(If provided) CoList: Magdiel Fajardo from Room Real Estate

$352,000

2 Beds ⋅ 2 Baths ⋅ ML82063143 MLS ⋅ ShangriLa BLDG.

This could be your beach house. With some of your special touches, you could have a delightful home near our beautiful coast. Bright and open living and dining areas. There is a private, shaded porch and a sunny yard. Room to do some gardening. The primary bedroom has a large walk in closet. You have two full bathrooms and a laundry room. Shangri La is a 62+ park. Located close to all the amenities you find on 41st Avenue. Only a few blocks to Pleasure Point for the sunset. Bring your creative style to this sweet home.

1040 38th AVE 43, Santa Cruz

Listed by Shelley Patton, 831-818-3771 from Coldwell Banker Realty
(If provided) CoList: from

$688,000

1 Beds ⋅ 1 Baths ⋅ ML82063024 MLS ⋅ Frederick Street Commons BLDG.

Some homes make everyday life easy, and this Seabright condo is one of them. Tucked away on the upper floor with elevator access, it offers light-filled, single-level living, soaring ceilings, an open layout, and distant views toward the Harbor that make mornings feel a little brighter. The floor plan is what makes this home especially practical: a spacious bedroom plus a true second room that's ready to become a home office, guest room, workout space, or creative retreat. Hardwood floors, a gas fireplace, and a generous private balcony create comfortable spaces to unwind after a day at the beach or around town. The kitchen keeps things simple with granite slab countertops, stainless steel appliances, a new refrigerator and gas range, and plenty of room to cook without feeling crowded. The secure building includes a locked lobby, gated parking, private and bike storage, plus shared spaces like a bocce court, fire pit, garden courtyard, and gathering room. From here, it's easy to leave the car behind. Walk to Akira Sushi, Staff of Life, Lillian's, the Rio Theatre, Santa Cruz Harbor, Arana Gulch trails, and nearby beaches. It's the kind of place that quietly fits into your routine and makes Seabright easy to enjoy.

708 Frederick ST 309, Santa Cruz

Listed by Teresa Marlow, 831-818-3430 from Compass
(If provided) CoList: from

$899,500

1 Beds ⋅ 1 Baths ⋅ ML82063078 MLS

Eastside Cottage With Room To Grow! This sweet 1Bd. 1Ba. will surprise you! It is bright, updated, and feels very open. It is at the forefront of the lot so there is a long driveway to the detached one- car garage, and big open space in the back of the lot. The lot backs up to alley access. Maybe add another home in the back, and make the cottage an ADU? Or add on to this charming cottage, and build a large garage in the back? Maybe you always wanted a sunny open lot to plant those fruit trees? The convenient location offers quick access for commuting, or head to downtown for the live music, eateries, and shopping. Come explore and see what you think!

125 Lee ST, Santa Cruz

Listed by Caren Spencer, 831-251-1112 from Compass
(If provided) CoList: from

$1,495,000

3 Beds ⋅ 2 Baths ⋅ ML82063050 MLS ⋅ Pasatiempo HOA BLDG.

Set within the gates of the exclusive and highly coveted Pasatiempo community, you'll find a rare blend of timeless character, privacy and effortless single-level living. Hardwood floors flow throughout and dual-pane windows allow for abundant natural light. A beautiful brick fireplace anchors the main living space, creating a warm and welcoming place to gather, while the chefs kitchen features a gas range and generous counter space for cooking, entertaining and everyday life. 3 bedrooms, including primary ensuite and 2 updated baths. Outside, a private garden retreat awaits. Sip morning coffee on the covered porch overlooking a lush tapestry of green, blooming roses and citrus trees, then gather around the fire pit for evening cocktails, conversation and s'mores under the stars. An oversized two-car garage and large outdoor shed offer abundant storage for all the extras. A special opportunity to enjoy the beauty, tranquility and coveted lifestyle of Pasatiempo with access to community pool, restaurants, the world-renowned Pasatiempo Golf Club and nearby shopping. It's the lifestyle you have been dreaming of, all while being a short drive to Santa Cruz's best beaches and Silicon Valley tech.

22 Pasatiempo DR, Santa Cruz

Listed by Amber Melenudo, 831-566-2263 from Sotheby's International Realty
(If provided) CoList: from

$399,000

1 Beds ⋅ 1 Baths ⋅ ML82062964 MLS ⋅ Frederick Street Commons BLDG.

City of Santa Cruz Measure O Unit! First time on market! This original owner has enjoyed living in this unit! Who will be the lucky one who gets to live here next? Seller said Sell it!! Listed lower than the county price of $442,362. So, at $399,000 list price you get built in equity when you purchase! Yes, there are income limits. What an opportunity to live in East Side Santa Cruz in a 2015 building with secure parking and locked front entrance and lobby. It's walkable to the yacht harbor, shops, restaurants and more! Once inside there is a spacious lobby with access to a community room, elevator, stairs and locking mailboxes! This unit is on the second floor! It lives like a 1 bedroom with large closet plus an additional room for office/craft room or even a second bedroom (it does not have a closet). Open kitchen, Living and Dining feels spacious! The electric fireplace is quick to provide a cozy feeling. And you have your own stacking in unit laundry! While your laundry in spinning, relax on your outdoor patio with a view of bocci ball court and outdoor firepit area. Or enjoy the birds and flowers! 1 person max income $96,050 2 person max income $109,750.

708 Frederick ST 205, Santa Cruz

Listed by Judy Brose, 831-234-9908 from CENTURY 21 Masters
(If provided) CoList: from

$1,149,000

3 Beds ⋅ 3 Baths ⋅ ML82062181 MLS

Welcome to Bonny Doon. This is a well-built home on nearly half an acre of gently sloped land. Mature redwoods and natural beauty surround the property, making for an exceptionally quiet and peaceful location. The home sits roughly 13 minutes from Felton and 20 minutes from Scotts Valley. Inside, the open floor plan features vaulted, open-beam ceilings, hardwood floors, and a wood-burning fireplace that brings a warm ambience to the entire space. You will love the charming but modern and approachable feel of the open floor plan. The layout flows easily with a formal entry and access to outside spaces. There is a laundry room, powder room for guests and an attached two car garage. The property has a private well and a composition roof that is in very good condition. There is also a recently serviced automatic backup whole-house Generac generator for those times when you need back up power. You will love this location and this home that feels contemporary and exceptionally cozy. If you enjoy natural beauty you will love this location with access to Henry Cowell Redwoods State Park, Big Basin Redwoods State Park, Russian Ridge Recreation Area, Loch Lomond Recreation Area, and coastal communities including Davenport, Pescadero, San Gregorio, Bonny Doon and Santa Cruz.

10 Atherly LN, Santa Cruz

Listed by Brian Bernasconi, 408-979-1400 from Christie's International Real Estate Sereno
(If provided) CoList: from

$850,000

2 Beds ⋅ 3 Baths ⋅ ML82062230 MLS ⋅ Redwood Village Estates BLDG.

Light, bright 2009 Redwood Village townhome with two ensuite bedrooms and the largest private backyard on the block. Approximately 1,198 square feet in a low maintenance community just off Ocean Street, with easy access to downtown dining, the Santa Cruz Beach Boardwalk, Main Beach and Cowell Beach, and Monterey Bay. The open main level features high ceilings and a dining area that flows into the living room. The kitchen is set up for everyday cooking with Formica counters, a gas range, dishwasher, microwave, and refrigerator. A half bath is downstairs. Upstairs, both bedrooms are true ensuite suites with walk-in closets, plus upper-floor laundry. Flooring is a practical mix of carpet and vinyl/linoleum. Forced-air heat, dual-flush toilets, and other energy-saving features keep it efficient. Single-car garage. What sets this home apart is the outdoor space: a large backyard left as a blank slate for a patio, garden, or weekend hangout. Ocean Street provides a straightforward route to Highway 17 for the commute over the hill to San Jose, Silicon Valley, and the Peninsulathen home to Santa Cruz restaurants, the Boardwalk, top beaches, and Monterey Bay. Same easy floor plan the market already knows: two ensuite bedrooms, 2.5 baths, bigger yard, great commute.

133 Kennan ST A, Santa Cruz

Listed by Kelly Mechem, 831-334-7707 from Bailey Properties
(If provided) CoList: Robert Bailey from Bailey Properties

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The data relating to real estate for sale on this display comes in part from the Internet Data Exchange program of the MLSListingsTM MLS system. Real estate listings held by brokerage firms other than Santa Cruz Pro are marked with the Internet Data Exchange and detailed information about them includes the names of the listing brokers and listing agents.
Based on information from MLSListings MLS as of . All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.