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Jenn Smart

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419 Cedar , Santa Cruz, CA 95060
$1,495,000
Est. Payment: $3,322.22/mo
3 Bed
2 Bath
1584 Sqft
0.11 Acres
Status: active | Days on site: 2
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SWLS01 - SWZAKASIN
By proceeding you are providing Jenn Smart with your express written consent to send you marketing and promotional communications via calls or prerecorded messages dialed by a natural person or by using an artificial or automated telephone dialing system.

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Jenn Smart
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House Description

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 abundant gated, private outdoor living areas, providing peaceful spaces to relax, entertain, or enjoy the coastal climate right in the middle of downtown. Zoned Community Commercial (CC), the property also offers intriguing possibilities for residential and commercial uses, subject to city approval. LOCATION, LOCATION, LOCATION! Step outside and experience the best of Santa Cruz living. Walk to downtown restaurants, coffee shops, boutiques, theaters, live music, nightlife, farmers markets, and the vibrant local arts scene. The Santa Cruz Beach Boardwalk, Wharf, and beautiful beaches are approximately 0.7 miles away, while the majestic redwood forests are just a short drive from your doorstep. Rich in local history, 419 Cedar Street was once home to Chimney Sweep Books, a beloved Santa Cruz shop specializing in rare and antiquarian books. Whether you’re looking to live in one home and rent the other, expand your investment portfolio, or explore the possibilities of a flexible downtown property, this distinctive duplex offers an exceptional combination of location, character, privacy, and opportunity. Two detached homes. One incredible downtown Santa Cruz location. Endless possibilities!
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Highlights

Listed by Sinan Zakaria , 800-995-5879 Listed Simply , 800-995-5879. CRMLS/Multi-Regional MLS mls logo

Property Type

Multi-Family
Lot/Acreage
0.11

Year Built

1928

County

Santa Cruz

Area

699 - Not Defined

Listing ID

SW26232965

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
Appliances:Gas Cooktop
Floor:Vinyl
Other:
  • ▪ Additional:Ceiling Fan(s), Bedroom on Main Level, Loft, Main Level Primary
Water:Public

Exterior Features

Lot:Corner Lot,Level,Yard,No Land Lease
Garage Capacity:1
Roof:Composition
Others:
  • ▪ Additional:Frame, 2+ Total Units
Sewer:Public Sewer
Parking Features:Concrete,Driveway,Permit Required,Public,On Street,Uncovered
Principal Interest
$3,322
Taxes
$953

Home Price

$1,495,000

Loan Details

30 yrs
0%

Down Payment

20%
$299,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,322.22

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,322.22 $953.06 $0.00 $4,275.28
Yearly $39,866.67 $11,436.75 $0.00 $51,303.42
Total $1,196,000.00 $343,102.50 $0.00 $1,539,102.50
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So-Crates Johnson
Dust, Wind, Dude
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Market insight data is pulled from the same city as the listing being viewed (Santa Cruz, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-11-14T11:34:50.000Z

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