2520 Howe Street, Santa Cruz, California 95065, Santa Cruz, 95065 - 4 bed, 2 bath
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2520 Howe Street
Santa Cruz, California 95065
ACTIVE
CONDITION: FAIR
4Beds
2Baths
1,519Sq Ft
5,706Lot Size
Property Price
LIST PRICE$1,399,000
EST. MARKET VALUE
$1,355,172
3% AboveMARKET VALUE
SUMMARY
This Single Family Residence represents a Strong Value Opportunity, listed at a List Price of $1,399,000—positioned well below the $1,355,173 Fair Market Value by -3%. Featuring a Condition Rating of 4, the home offers a meticulously maintained interior with recent flooring updates alongside a private backyard oasis with a pool and spa. While the vintage infrastructure provides a canvas for modernization, the property’s long-term care ensures structural integrity. This is an ideal acquisition for Buy-and-Hold Investors or Owner-Occupants seeking a well-located Santa Cruz property.
Estimated Market Value
$1,355,172
Based on Realkey algorithm analyzing recent comparable sales in Santa Cruz.
Comparable Sales Map
Comparables within 1 miles sold in recently
Map unavailable.
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 2520 Howe Street Subject | $1,399,000* List Price | 4 | 2 | 1,519 | $892 | - |
A 5004 Thurber Lane Sold | $1,265,000 | 3 | 2 | 1,654 | $765 | 0.7 mi |
B 311 Chirco Avenue Sold | $1,299,000 | 3 | 3 | 1,648 | $788 | 0.7 mi |
C 120 Corinne Ave Sold | $1,300,000 | 3 | 2 | 1,385 | $939 | 0.9 mi |
D 2430 Camden Court Active | $1,195,000 List Price | 3 | 3 | 1,664 | $718 | 0.1 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
See Full ReportOVERALL CONDITION SCORE
Fair
TeardownExcellent
Property is moderate renovation needed.
Built in 1964, this home is meticulously maintained but largely dated. While it features recently updated flooring in the main living areas, the kitchen cabinetry, bathrooms, and popcorn ceilings appear to be from renovations older than 20 years. The property is functional and move-in ready but requires cosmetic updates to meet modern standards.
PROSSTRENGTHS & OPPORTUNITIES
- Private Outdoor Oasis
The property features a meticulously maintained pool in excellent condition set within a quiet, private backyard, offering a rare amenity for the Santa Cruz Gardens area.
- Pride of Ownership
Available for the first time ever and described as meticulously maintained, this home demonstrates a high level of long-term care and structural integrity.
- Recent Interior Refreshes
New flooring has been recently installed in the entry, dining, and kitchen areas, providing an updated feel and immediate move-in readiness for key living spaces.
CONSRISKS & DEFICIENCIES
- Vintage Infrastructure
Built in 1964, the home may require updates to original systems or cosmetic modernizations in the bathrooms and bedrooms to meet contemporary luxury standards.
- Compact Bedroom Layout
With four bedrooms distributed across 1,519 square feet, individual room sizes may feel small, potentially limiting functionality for buyers seeking spacious primary suites.
About 2520 Howe Street
Located in the Lower Santa Cruz Gardens neighborhood this meticulously maintained, 4bd 2ba home is available for the first time ever! New floors recently installed in the entry room, dining and kitchen. Off the kitchen, you'll step into the living space followed by a sunroom. Next step into a quiet, private oasis featuring a fabulous pool in excellent condition! You have to see this home in person to appreciate every detail!
Property Details
Public Facts
- Property Type
- Single Family Residence
- Year Built
- 1964
- Lot Size
- 5,706 Sq. Ft.
Interior
- Total Bedrooms
- 4
- Total Bathrooms
- 2 (2 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $0 / Month
Neighborhood Insights
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 4.0 | 3.0 |
| Baths | 2.0 | 2.3 |
| Square foot | 1,519 | 1,697.986 |
| Lot Size | 5,706 | 6,864.608 |
| Price | $1.40M | $1.63M |
| Price per sq ft | $921 | $940 |
| Built year | 1964 | 1973 |
| HOA | $0 | $352 |
| Days on market | 23 | 38 |
Pricing History
Listed for Sale
Aug 17, 2026
$1,399,000
Initial Listing