126 Frederick Street 20, Santa Cruz, California 95062, Santa Cruz, 95062 - 3 bed, 3 bath
126 Frederick Street 20
Santa Cruz, California 95062
Property Price
SUMMARY
Analysis of 126 Frederick Street 20, Santa Cruz, California 95062 is currently available with a list price of $2,200,000. The property maintains a Good Condition Rating (78/100), reflecting solid structural condition with well-maintained systems. The property presents an attractive opportunity for buyers seeking a move-in ready home. Located in a high-demand neighborhood within the Santa Cruz Unified School District, this asset is categorized as a low-risk, high-reward acquisition suitable for both Buy-and-Hold Investors and Owner-Occupants willing to undertake light renovation work.
Condition Analysis
OVERALL CONDITION SCORE
Property is move-in ready.
The property is in move-in ready condition with high-quality updates throughout. Although built in 1991, the interior features a modernized kitchen with professional-grade stainless steel appliances, updated cabinetry, and stone countertops. The bathrooms have been refreshed with contemporary tiling and fixtures. The flooring, including hardwood and well-maintained carpet, along with modern recessed lighting and a clean aesthetic, indicates extensive maintenance and partial renovation within the last 5-15 years, fitting the 'good' criteria perfectly.
PROSSTRENGTHS & OPPORTUNITIES
- Exceptional Harbor Views
The property boasts rare, unobstructed views of the Santa Cruz Yacht Harbor and Pacific Ocean from every room, significantly increasing its market desirability and premium value.
- Prime Coastal Lifestyle
Situated steps from Frederick St Park, local breweries, and the harbor, the location offers an unparalleled walkable lifestyle that is highly sought after in the Santa Cruz market.
- Generous Living Space
With over 2,300 square feet of living space, this townhouse offers a much larger footprint than typical coastal units, providing ample room for comfortable living and entertaining.
CONSRISKS & DEFICIENCIES
- High Monthly HOA Fees
The association fee of $901 per month is substantial and may impact the overall affordability and debt-to-income ratio for prospective buyers.
- 1990s Construction
Built in 1991, the property may require modern aesthetic updates or infrastructure maintenance to meet the high expectations of buyers at the $2.2M price point.
About 126 Frederick Street 20
Come experience life at the harbor! This stunning 3 bed/2.5 bath home has breathtaking views of the Santa Cruz Yacht Harbor and the Pacific Ocean, and the well designed floor plan makes sure youre soaking them in from every room. Curl up by the fireplace on those cool coastal nights, and when youre ready to head out, everything is right at your doorstep. Great restaurants, local breweries, and grocery stores are all just a hop, skip, and a jump away. Frederick St Park is nearby, too, with sand volleyball courts and a fenced dog park right next to it. This one has it all.
Property Details
Public Facts
- Property Type
- Townhouse
- Year Built
- 1991
- Lot Size
- -
Interior
- Total Bedrooms
- 3
- Total Bathrooms
- 3 (3 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $901.0 / Month
Neighborhood Insights
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home | Neighborhood Ranking (50 Listings) |
|---|---|---|---|
| Beds | 3.0 | 2.0 | 75% |
| Baths | 3.0 | 3.0 | 50% |
| Square foot | 2,343 | 1,239.5 | 75% |
| Lot Size | - | 1,263.5 | 25% |
| Price | $2.20M | $885.5K | 75% |
| Price per sq ft | $939 | $840 | 75% |
| Built year | 1991 | 1986 | 75% |
| HOA | $901.0 | $576 | 75% |
| Days on market | 2 | 180 | 25% |
Pricing History
Listed for Sale
Mar 5, 2026
$2,200,000
Initial Listing
Sold
Jun 2, 1998
$600,000
Public Record