404 Monterey Avenue, Capitola, California 95010, Capitola, 95010 - bed, bath
404 Monterey Avenue
Capitola, California 95010
Property Price
SUMMARY
Analysis of 404 Monterey Avenue, Capitola, California 95010 is currently available with a list price of $1,599,000. 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 Capitola 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 exceptionally well-maintained and move-in ready, fitting the 'good' criteria for a well-kept investment. While the kitchens and bathrooms feature older styles—specifically oak cabinetry, laminate countertops, and older white/black appliances—the interior has been updated with modern luxury vinyl or laminate flooring and fresh paint. The exterior and systems appear functional and clean, showing pride of ownership with no obvious signs of deferred maintenance, though the aesthetic remains dated compared to a full modern renovation.
PROSSTRENGTHS & OPPORTUNITIES
- Prime Coastal Location
Situated within walking distance of Capitola Village and local beaches, this property is located in one of Santa Cruz County's most desirable and high-demand rental markets.
- Versatile Investment Configuration
The duplex features two spacious 2-bedroom units with private entrances and individual laundry rooms, making it ideal for owner-occupants, multi-generational living, or traditional investors.
- Superior Parking Assets
The inclusion of a 2-car garage plus additional street parking provides a significant competitive advantage in a dense beachside community where parking is often scarce.
CONSRISKS & DEFICIENCIES
- MLS Listing Discrepancy
Living area discrepancy between mls listing and other public or private record. mls listing living area = 2370, other record living area = 1890.
- Dated Infrastructure
Built in 1969, the property may require capital improvements or modernization of its 'functional' kitchens and systems to achieve maximum market rent and energy efficiency.
- Compact Lot Size
With a lot size of approximately 4,051 square feet, the outdoor space is relatively limited, which may restrict options for significant landscaping or expansive private yard areas for both units.
About 404 Monterey Avenue
This well located Capitola duplex features two spacious 2 bedroom, 1 bath units, each offering comfortable living in one of the most desirable coastal communities in Santa Cruz County. Both units include bright living areas, functional kitchen layouts, and well proportioned bedrooms. The property provides excellent flexibilityideal for owner occupants, multi generational living, or investors seeking strong rental demand in a beachside market. Two units, each with 2 bedrooms and 1 bathroom Open living and dining areas with good natural light Efficient kitchens with ample storage Private entrances for each unit 2 Car Garage and Street parking Outdoor space suitable for relaxing or gardening (optional detail) Located near Capitola Village, beaches, shopping, dining, and commuter routes Strong rental potential in a high demand coastal neighborhood Each Unit has their own separate Laundry Rooms Ideal For Investors looking for a stable rental property Buyers seeking to live in one unit and rent the other Families needing separate but nearby living spaces Anyone wanting to enjoy the Capitola lifestyle walkable, coastal, and charming
Property Details
Public Facts
- Property Type
- Duplex
- Year Built
- 1969
- Lot Size
- 4,051 Sq. Ft.
Interior
- Total Bedrooms
- -
- Total Bathrooms
- -
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 | Neighborhood Ranking (50 Listings) |
|---|---|---|---|
| Beds | - | - | 50% |
| Baths | - | - | 50% |
| Square foot | 2,370 | 2,170 | 75% |
| Lot Size | 4,051 | 3,790 | 75% |
| Price | $1.60M | $1.85M | 50% |
| Price per sq ft | $675 | $1.0K | 25% |
| Built year | 1969 | 1967 | 50% |
| HOA | $0 | $0 | 50% |
| Days on market | 15 | 189 | 25% |
Pricing History
Listed for Sale
Feb 20, 2026
$1,599,000
Initial Listing