238 houses for sale in Banana Belt

This is a Real Estate-Owned (REO)/post-foreclosure home owned or managed by a bank. All offers are considered; however, the highest and best will most likely be accepted

Outstanding turnkey fourplex investment opportunity in central Santa Cruz! All units have been tastefully updated and meticulously maintained. The property features 4 separate structures including a beautifully updated 3 bedroom Victorian house, a 2-bedroom cottage, a duplex with 1 bedroom and 3 bedroom units, a separate 4 bay garage building with supplemental living space over the garages, and off-street parking. The large nicely landscaped lot provides ample opportunities for tenants to enjoy outdoor living spaces. Many energy efficiency improvements help keep utility costs low for tenants. Ideal location near downtown with a high walkability score offers tenants easy access to restaurants, shops, Highway 1, the pier, the Boardwalk, and beaches. This is a unique opportunity for an investor looking for a high-quality long-term investment with a strong rental history, very low vacancy rates, and financial upside potential through rent rate increases and the possibility of an ADU conver

Nestled at the end of a tranquil, highly coveted Eastside street in Santa Cruz, this light-filled retreat offers unparalleled privacy and sophistication. An exquisite blend of serenity and scale, the residence boasts soaring vaulted ceilings, newly refinished hardwood floors, and an abundance of windows that frame lush, treetop views and bathe the interior in natural light. The gracious formal entry flows into an expansive great room centered by a gas-burning fireplace, with seamless transitions to a formal dining area and the private rear grounds. Thoughtfully appointed on the main level: powder room, oversized pantry with storage cabinets and shelving, laundry suite, access to the two-car garage, and a private side yard. Upstairs, ascend to the primary suite. A treetop sanctuary featuring a generous walk-in closet and spa-inspired bath with soaking tub and natural stone finishes. Two additional well-appointed bedrooms share a lovely hall bath with travertine tile and shower-over-tub.

Townhome convenience w/a single-family feel! Although part of a PUD community, this spacious 1,675-sq ft home lives much more like a single-family residence. Generous interior proportions, 2-car gar, outdoor spaces & no rear neighbors, create a greater sense of space. Size, comfort, convenience & low-maintenance living in a well-maintained community. Upgraded w/hardwood floors, recessed lighting, well-equipped kitchen w/granite counters. Spacious living w/dramatic high ceilings & wide wood framed glass door leads to your private deck, overlooking the tree studded skyline & open space w/walking trails. Upstairs boasts 3 ample size bdrms, including a generous primary suite w/large walk-in closet w/organizers, dual sink vanity & tiled stall shower. Addt' bdrms have full bathroom w/shower over tub. The att garage provides convenient parking, laundry, & storage. Stoney Creek provides an abundance of guest parking, well maintained grounds & walking trails. This tree lined enclave feels like

Charming, private, and thoughtfully designed, this beautifully built 3-bedroom, 2.5-bath home offers inviting open-concept living and exceptional indoor-outdoor flow. The gourmet kitchen features quality appliances, a generous pantry, and a wine cellar near the dining area. Bright living spaces overlook the landscape, while the backyard is an entertainers delight with a pizza oven and large fireplace. The living room also features a fireplace and radiant floor heating. Spacious west-facing bedrooms, abundant closet storage, and a built-in office area add comfort and functionality. Finished one-car garage plus four front parking spaces. Conveniently located near dining, breweries, fitness, schools, and shopping, with easy biking to nearby beaches and convenient access to Highway 1 and Downtown Santa Cruz. A wonderful blend of privacy, comfort, and convenience

At 229 Poplar, you get the things that matter: a charming single-level home, a generous backyard, flexible bonus space, and a location that keeps the best parts of Santa Cruz nearby. This two-bedroom, one-bathroom home is move-in ready, with two bonus rooms that offer plenty of flexibility for home offices, a studio, guest space, a playroom, a gym, or whatever fits your life. Three off-street parking spaces add everyday convenience, while the generous backyard gives you room for dinner with friends, a garden, kids at play, or simply the luxury of having your own private outdoor space. And in Midtown, the location is one of the best parts. Arana Gulch, Seabright, the harbor, beaches, neighborhood restaurants, and everyday essentials are all within easy reach. For anyone waiting for the opportunity to own a little piece of Santa Cruz, 229 Poplar might be exactly the place to start. Ask about available financing opportunities for qualified buyers, including down payment assistance program

A 1932 farmhouse on an oversized Midtown lot, thoughtfully updated without losing its original character. Approximately 1,200 square feet, with vaulted ceilings and natural light creating an open, inviting main living space. The remodeled kitchen features quartz countertops and stainless steel appliances, and the updated bath includes a walk-in shower. One bedroom opens directly to the deck, and the finished attic bonus room provides flexible space for a home office, creative studio, or storage. The backyard is where this home stands apart. A generous covered deck overlooks a flagstone fire pit area shaded by mature trees, all within a fully fenced 6,273 square foot lot. Gated off-street parking accommodates multiple vehicles, with potential space for an RV. With a Walk Score of 90, Water Street and Soquel Avenue shops, cafes, restaurants, and everyday conveniences are close by. Central forced-air heating and dual-pane windows add everyday comfort

Cute as a button! Thatcher & Thompson-designed home nestled in the heart of Santa Cruz, ideally located on a secluded cul-de-sac shared by just nine homes. This move-in-ready 3-bed, 2.5-bath home offers 1,326 sqft of thoughtfully designed living space PLUS a finished knotty-pine attic. An ideal hideaway, playroom, or flex space. Soaring vaulted ceilings and abundant natural light create an inviting living room anchored by a beautiful fireplace and mantle. The kitchen features stainless steel appliances, a gas range, tile countertops, ample pantry storage, and an oversized breakfast bar. The spacious primary suite offers a serene retreat with a generously sized built-in closet and spa-like bath featuring a deep jetted soaking tub and separate jetted shower. Step outside to a low-maintenance yard with a covered porch, expansive decks, and garden boxes. Perfect for BBQs, entertaining, and enjoying the Santa Cruz lifestyle. Modern conveniences include a Tesla EV charger, Nest thermostat, c

This home is in preforeclosure, which means the homeowner is in default (missed payments). Therefore, there could be an opportunity to strike a great deal with the owner and the bank

Whether you are a first time home buyer, or an investor looking to add value to your portfolio, here is a rare opportunity to own a proven income producing property, just blocks from the heart of downtown Santa Cruz. This well maintained duplex sits on a corner lot within easy walking distance of downtown shops, restaurants, and local businesses. Features include a detached two car garage, dual pane windows, a new sewer lateral system, and mature fruit trees that add a touch of oldschool charm. With a long history as a successful rental property, this is the kind of investment that stands the test of time. A solid opportunity to own income-producing real estate in Santa Cruz, where a strong rental market and close-in location continue to make this a smart addition to any portfolio

Just a few doors from the ocean, this beautiful home combines elevated design with genuine warmth and comfort. Vaulted ceilings and abundant natural light open the interiors, while carefully selected fixtures, custom finishes, and detailed bathrooms reflect the intention carried throughout. Four bedrooms offer flexibility, including a ground-level en suite, while the primary suite features a private deck and luxury soaking tub. Outside, that same attention continues. Ocean views create the backdrop for coffee or quiet evenings on the deck, while an automated pergola responds to rain and mist for effortless year-round enjoyment. Custom automated gates, low-maintenance landscaping, multiple patios, a hot tub, and an outdoor shower create a private retreat designed around life near the ocean. The keyless entry, sonos speakers throughout and an electric vehicle charger add everyday convenience. Pleasure Points beaches, surf breaks, restaurants, coffee shops, and 41st Avenue favorites are a

Great layout, square footage, ample yard space, off-street parking and an attached garage await just steps from 11th Hour Coffee and everything else Downtown Santa Cruz has to offer! 9 of these homes were built in 1982 to resemble Victorians. They have 10 foot ceilings downstairs, this one is on the end and has a great yard space and no shared or common walls. Technically this is a townhome. Lots of natural light, a big master bedroom and 2 other beds upstairs, downstairs has a den/office with built-in shelving, no closet. This home will need some fixes and upgrades, and shows signs of deferred maintenance

Live in one and rent the others. What a way to own on the front row! Spectacular Front Row 4-unit Apartment Building directly overlooking Seabright State Beach aka'Castle Beach. This property is unique along our coast. Magnificent vistas across Monterey Bay from sunrise to sunset. Beach views, ocean views, and sunrise & sunset views! Located in lovely Lower Seabright positioned between the Yacht Harbor and the Beach Boardwalk. This is paradise!

Light, bright & beautifully updated, this contemporary 2BD/2BA townhome offers an inviting blend of style, comfort & easy Santa Cruz living. Tucked within a peaceful, well maintained community, this home feels incredibly private while keeping beaches, shopping, schools, & commutes all within easy reach. Step inside to an airy, open living space where soaring ceilings, skylights & white oak luxury vinyl plank flooring create a pristine feel, full of natural light. Updated kitchen w/ quartz countertops & stainless appliances. Ground floor primary suite w/ direct access to the private backyard, creating an indoor/outdoor connection & a peaceful place to relax or gather. A private gate opens directly to the park-like green space, extending the backyard experience. 2nd bedroom includes a clever office nook along w/ a nearby full bath. The loft serves as a great flex space. Attached 1 car garage w/ laundry hook ups. Flexible living spaces, thoughtful updates, private outdoor space, & a quiet

Private turnkey end-unit townhome in the heart of downtown Santa Cruz, one of only 10 homes tucked into a quaint corner of the neighborhood. Built in 1990 by Devcon Construction, this 2 bed, 2.5 bath, 1,472 SF home offers a smart three-level layout. The ground floor features an oversized tandem 2-car garage with built-in cabinets, overhead storage, a laundry area, an EV charger, and a water filtration system. The main level flows from a living room with a fireplace to a bright white kitchen with a walk-in pantry, a dining area, and a half bath. Wide sliding glass doors open to a sunny deck with city views. Upstairs, two generous primary suites each have their own full bath, and both are filled with natural light from multiple windows that bring in sun and treetop views all day. Victorian-lined streets lead to Pacific Avenue's cafes, restaurants, craft breweries and boutiques, the Museum of Art & History, live music and the downtown farmers market. The Wharf, Boardwalk, West Cliff Drive

A rare 6th Avenue coastal retreat just moments from Santa Cruz Harbor & Twin Lakes State Beach, with harbor dining, coffee, sailing, fishing, kayaking, paddleboarding, surfing& sunset walks right out your front door. Set in a quaint coastal neighborhood, this designer contemporary offers flexible living in a highly desirable beach-and-harbor setting. The reverse floor plan places the main living area, open kitchen, expansive primary suite with remodeled bathroom, separate office, nearby half bath & both indoor and outdoor dining areas upstairs to capture light, privacy & ocean/harbor views. Two lower-level bedrooms each open to outdoor space, creating excellent separation for guests, extended living, work-from-home needs or multigenerational use. A rooftop sundeck with stainless steel stairs & railings offers a front-row perch for sea breezes & Monterey Bay/harbor views. Inside, enjoy slate floors, a corner fireplace & a comfortable contemporary flow. The oversized garage plus two off-

Two detached homes in the heart of downtown santa cruz! Discover a rare opportunity to own a charming duplex featuring two separate residences at 419 Cedar Street and 209 Elm Street, offering exceptional flexibility for homeowners, investors, and those seeking a unique live-work opportunity. Street parking is available through the City’s residential permit parking program, with four parking permits and two guest permits allocated to the property. The main Cedar Street residence (1,224sqft) features 2 bedrooms, a dedicated office, and 1 bathroom, blending classic Santa Cruz character with modern updates, including fresh interior and exterior paint, updated flooring, and lighting. Privately situated behind the main home, the detached Elm Street cottage (360sqft) offers 1 bedroom and 1 bathroom, creating an ideal opportunity for rental income, multigenerational living, guest accommodations, or additional personal space. Both residences are recognized as legal dwelling units. Enjoy abundan

One block from the Cowells stairs & a straight shot through Lighthouse Field to Steamer Lane, this single-level surf retreat offers amazing access to the best of the World Surf Reserve & West Cliff Dr! Completely renovated and updated with modern electrical and plumbing, this turnkey home features an open layout that flows onto an expansive redwood deck with arbor that overlooks a professionally designed and sustainably landscaped backyard. Rinse off the sand in the outdoor shower after Jr. Guards and warm up in the hot tub after a long session at Middle Peak! Extremely private and secluded from the street, the main living space includes a dedicated dining area, while the open concept maximizes the incredible yard. With multiple office spaces, this home is ideal for those looking to work from home, or a busy family that needs cozy studying areas or reading nooks. Updates include full crawl space moisture barrier with sump pumps, an on-demand water heater, and a thoughtfully designed fr

On Santa Cruz's coveted Upper Westside, this home captures stunning sunrise vistas over Monterey Bay, as well as mesmerizing nighttime views of the city, Santa Cruz Boardwalk, and Wharf. Featuring 4 bedrooms plus an office/library, the versatile floor plan offers multiple inviting spaces for both relaxation and entertaining including a living room, formal and informal dining areas, and a grand great room with high ceilings, a fireplace, wet bar, and expansive ocean-view windows opening to a spacious deck. The primary suite is a retreat with a fireplace, generous walk-in closet, built-in dresser, ample storage, and a large ensuite bath opening to a private ocean-view balcony. Enjoy outdoor living across multiple Oceanview decks and a private fenced backyard, perfect for gatherings. Conveniently located near UCSC, local schools, Westlake Park, scenic hiking and biking trails, downtown shops, fine restaurants, and the beach, this home balances tranquility with accessibility. Some of the r

Charming coastal home just minutes from the beach, offering quintessential Santa Cruz living with an inviting front porch, beautiful curb appeal, and mature landscaping. Ideally located near the iconic Santa Cruz Beach Boardwalk, world-renowned surf breaks, local restaurants, neighborhood markets, and outdoor recreation, with convenient access to major commute routes to Silicon Valley. The property features a 2-bedroom, 1-bath main home plus a detached bonus flex space perfect for a home office, yoga studio, art room, or creative workspace. Outside, enjoy a private, established garden filled with avocado, apple, and lemon trees, along with a vegetable garden. Ample off-street parking provides room for multiple vehicles, RV or boat

Light and bright home located in Shangri La! This park is located within a quick bike ride to the beach, Capitola Village and many conveniences that include grocery stores, movie theatres, banks, stores, and near the Hospital too. This is a wonderful community to call home. As you step inside this home you are greeted with creamy white walls, dual pane windows that provide lots of natural light, vaulted ceilings that gives this home a much larger feel. The oversized kitchen is great for the cook, and entertainer, and has ample storage, and a skylight for added natural light. The bathroom has a newer stall shower which is convenient and practical. The inside laundry (washer/dryer not included in sale) is located in the hall for added convenience. Large closets provide storage options also. The shed is custom and has tall ceilings, a window for added storage. There is a area to garden as well. Shangri La is a sweet community, Don't let this one pass you by! Age restricted, must be 62 yea

Best value on the westside! Victorian charm, modern updates, and sought-after Westside living! This beautifully updated 3-bedroom, 2-bath Santa Cruz home pairs timeless character with thoughtful improvements throughout. The remodeled kitchen features soft-close cabinetry, accent lighting and updated appliances, complemented by engineered hardwood and tile flooring, fresh finishes, elegant wainscoting and crown molding. Updated bathrooms, windows, doors, drywall and insulation add comfort and functionality, a finished attic room provides versatile bonus space, while the detached two-car garage offers exciting possibilities for hobbies, storage or additional workspace. Outside enjoy new Trex decking and fencing, landscaped sod with sprinklers, paver hardscaping and timed low-voltage lighting creating an inviting setting for relaxing or entertaining. Major upgrades include a permitted roof and skylight, replaced plumbing, newer water heater and French drain system. Located in one of Santa

A rare once-in-40-years opportunity to experience your own private state park. Set on 7.8 acres +/. At the end of a gated road, this mountain retreat offers exceptional privacy, sweeping views of redwoods, oaks, madrone & sky, with a touch of ocean in the distance. 1 +/. Miles of trails begin outside the front door, reminiscent of having Henry Cowell State Park as your backyard. Bring your hiking shoes! The grounds offer a potential ADU site or additional parking; buyer to verify. Walls of glass, skylights, soaring ceilings & abundant natural light showcase the landscape. The dramatic living room with fireplace flows into the dining area with built-in buffet & refreshed kitchen with quartz countertops, stainless appliances & breakfast nook. The expansive primary suite features a fireplace, sitting area, huge walk-in closet & bath with dual shower, soaking tub & double vanity. A wellness room with sauna & flexible loft offer space for a gym, office, lounge, or potential 4th bedroom. Two

No mystery here, just pure value and possibility. Tucked behind a private gate amid the majestic redwoods, this mountain haven delivers the best of both worlds: serene privacy yet only about 10 minutes from midtown Santa Cruz shopping and dining, and 15 minutes from the beach. The versatile property centers on a light-filled 2-bedroom, 1-bath main home plus a studio 1-bath ADU, ideal for rental income, a work-from-home setup, multi-generational living, or guest quarters. Step onto the sun-drenched entry deck and into an open living room where skylights and dual-pane windows flood the space with natural light. The flow continues into an updated kitchen with custom concrete counters and a bright dining area framed by a wall of windows that deliver true treehouse vibes. Updated bathrooms and bedrooms are move-in ready, while decks surrounding the home make indoor-outdoor living effortless. Downstairs, an oversized 2-car garage connects to the attached guest unit/ADU. A flexible bonus room

Embrace the ultimate Santa Cruz lifestyle in this beautifully home built in 1995, offering an impressive 2,734 square feet of light-filled living space perfectly tailored for a growing family or an investment catering to UC Santa Cruz students. Tucked away on a quiet, private cul-de-sac, this charming 5-bedroom, 4.5-bathroom residence features a highly desirable layout where 4 of the bedrooms include their own private en-suite bathrooms. The main living areas are thoughtfully positioned on the second level to maximize natural light, seamlessly flowing out to a private balcony perfect for relaxing. Complete with an unbeatable location, you can easily walk to vibrant downtown dining and shopping or take a quick bike ride straight to the beach

Coastal Living! Located within walking distance to the beautiful beach of Pleasure Point. This is a beautiful nicely kept home ready to move in, new paint, hardwood floors, and new appliances. Offers the perfect opportunity to enjoy the Santa Cruz coastal lifestyle. Convenient walking distance to nearby shopping centers, restaurants, shops, and coastal attractions

Old Santa Cruz charm, with a few new tricks. Welcome to 419 Cedar St + 209 Elm St, a detached duplex in the heart of downtown that proves character and possibility can happily coexist. The Cedar St home has been thoughtfully refreshed with new interior + exterior paint, updated flooring and lighting, while keeping the vintage personality that makes it special. Tucked separately behind it, the Elm St residence opens the door to rental income, multigenerational living, a creative space, or simply a little extra breathing room. Both are recognized as legal main dwelling units. Zoned Community Commercial, there's even more to imagine here, with potential residential + commercial possibilities subject to City requirements. And talk about a good backstory: 419 Cedar was once home to Chimney Sweep Books, Santa Cruz's wonderfully quirky shop for rare + antiquarian books. Live in one. Rent the other. Create something new. Two homes, one very cool corner of Santa Cruz, and a story that's still b

Price adjustmnet for this beautiful home is in an amazing location over looking the beach! See & hear crashing waves. Enjoy the natural light that fills this home! Walking distance to the nearby Clubhouse w/ a fully stocked kitchen, community year round heated swimming pool, outdoor kitchen, workout facility & more. Included for owners in the park. Grab your towel/chair and you will be at the pool or nearby beach in minutes! This amazing community is like none other, situated on the Pacific ocean. As you enter this home you are greeted with vaulted ceilings, custom white built-in cabinets/shelves, a custom/remodeled kitchen that includes granite slab, stainless steel appliances, custom cabinets, a built in desk & laundry room with extra storage. The'extra' room is great for an office, hobby room, or storage. Sit in the enclosed sun room & relax w/ a book & your favorite drink while enjoying the waves. The primary bath is gorgeous with a custom stall shower, dual sinks, quartz counters

The Ultimate Beachside Retreat at Pleasure Point. Looking for an incredible coastal escape where you can walk to the surf and fall asleep to the sound of crashing waves? This beautifully updated 1 bedroom-plus home in Pleasure Point offers the quintessential Santa Cruz lifestyle! Exterior Highlights Unbeatable Location: Just two blocks to the beach and world-renowned surf breaks at Pleasure Point. Convenient & Walkable: Easy bike ride to New Leaf Community Markets, Whole Foods, local taquerias, and neighborhood dining. Exterior Upgrades: Newly installed and painted HardiePlank siding with modern corrugated stainless-steel skirting, new double-pane windows with custom cedar trim, aluminum awnings, and a brand-new front deck perfect for morning coffee. Private Outdoor Space: Enclosed by flagstone pavers and lush bamboo for complete privacy. Interior Charm & Modern Systems Rustic Coastal Vibe: Features fresh paint throughout, classic antique Redwood doors, Redwood china cabinets, built-in

Discover spacious Soquel living in this inviting custom built 4-bedroom, 3.5-bath home offering beautifully appointed space and sweeping ocean views. Hardwood flooring flows throughout, while two fireplaces create warm, welcoming settings for cozy evenings at home. The well-equipped kitchen features a gas cooktop making everyday meals and entertaining effortless. A separate family room, living room and dedicated dining area provide plenty of flexibility for gathering, relaxing, or hosting guests. A private office is ideal for those needing the extra space. Downstairs leads you to a separate living space with private entrance for company, generational living, a gym or rental possibilities. Step outside to a terraced, beautifully landscaped yard filled with fruit trees and an abundance of lush plants, creating a colorful and peaceful outdoor retreat. There is opportunity for extensive gardening with generous raised beds. Multiple decks complete this impressive property, offering inviting