Zack Silva
Real Estate Sales & Appraisals







 

Affordable Home Listings

 

Basic Buyer Requirements:

  • Income restrictions: buyer cannot make more than the specified amounts. Household of 1: $82,300, 2: $94,100, 3: $105,850, 4: $117,600, 5: $127,000, 6: $136,400.
  • Buyer cannot have owned any real estate in past 3 years (does not include mobile homes on leased land).  Possible exception for buyers in senior Measure J complexes.
  • Buyer must live or work full-time in Santa Cruz county (for at least the past 60 days).
  • New Measure J household size restrictions in place as of October 2019. See property description for specifics. All bedrooms must be filled. For example, a family of 3+ or a single parent with child could qualify for a 2 bedroom unit, but a couple with no children could not qualify for the same unit. 
  • Must be buyer's primary residence. 
  • See the county's website for more info. click here
  • Measure J guidelines (updated October 2019). click here

 


755 14th Ave #801, Santa Cruz

$342,000        Sold

2 Bedroom, 1 Bathroom ground-level Measure J condo.  Swan Lake Gardens. 

Available to households of 3-5 people. Single parent with child would also qualify. Single person or couple with no children would not qualify. 

The current maximum resale price of $356,619 is based on the county's old Measure J calculation formula. The maximum resale price using the county's current formula would be substantially less. Therefore, it is possible that the buyers of this unit would be required to sell it at a price lower than they paid.

799sf    Recently remodeled    Granite counters     Newer cabinets     Newer flooring     Walk to beach     Complex pool     Carport     $285/mo HOA includes water/gas/garbage     

Swan Lake 801



4 Bedroom Measure J House, Live Oak

$449,448        Sold

Home will be sold via lottery on October 11th.  Adress cannot be disclosed at this time. 
Household size must be 5 or more (assuming 2 parent household).

4 Bedrooms. 3 Bathroom. 2 story detached home.  

2139sf     Built in 2003     2 Car Garage     Large backyard     New Paint/Flooring/Etc

For info on how to register for lottery, click here to be directed to county's website. 

4 bed measure j house

  

 

2286 7th Ave, Santa Cruz

$259,000        Sold

Casa La Familia.  62+ Senior Complex. 

1 Bedroom, 1 Bathroom ground-level home.

Measure J.  2nd owner (if applicable) can be as young as 52. 

Approx 588sf    Large yard      Corian counters     Wood/tile flooring     High ceilings      Community garden      Clubhouse       Guest room rental for visitors     $318/mo HOA 
2286 7th Ave




2615 Willowbrook Ln #81, Aptos

$332,166        Sold

2 Bedroom, 2 Bathroom ground-level condo.

Available to households of 2-5 people.  Measure J.

1210sf     Remodeled kitchen     Remodeled bathrooms     1/C Garage     Private laundry     2 Private patios     Fireplace     $410/mo HOA dues     Complex pool/tennis court     
Willowbrook




755 14th Ave #709, Santa Cruz

$336,147        Sold

2 Bedroom, 1 Bathroom ground-level condo.

Available to households of 2-5 people.  Measure J.

799sf    Recently remodeled    Granite counters     Newer cabinets     Newer flooring     Walk to beach     Complex pool     Carport     $240/mo HOA includes water/gas/garbage     

709 Swan Lake photo





217 Vista Prieta Ct, Santa Cruz

$210,000        Sold     

Vista Prieta.  62+ Senior Complex. 

2 Bedroom, 1 Bathroom second-level condo.

Measure J.  Must be household of 2+.  2nd owner can be as young as 52.

Approx 741sf     Elevator Access     End Unit     Community Rec Room     Community Sun Room     Community Garden     $235/mo HOA 

Vista Prieta photo




2268 7th Ave, Santa Cruz

$205,000        Sold

Casa La Familia.  62+ Senior Complex. 

1 Bedroom, 1 Bathroom ground-level townhome.

Measure J.  2nd owner (if applicable) can be as young as 52. 

Approx 588sf    Granite counters     Granite shower     Newer flooring     Community Garden       Clubhouse       Guest room rental for visitors     $310/mo HOA 

2268 7th photo




755 14th Ave #112, Santa Cruz

$270,000        Sold

Cash buyers only.  No financing available in complex.

2 Bedroom, 1 Bathroom second-level condo.

Available to households of 1-5 people.  Measure J.

799sf    Recently remodeled    Granite counters     New cabinets     New flooring     Walk to beach     Complex pool/gym     Carport     $225/mo HOA includes water/gas/garbage    

Swan Lake 112



755 14th Ave #107, Santa Cruz

$243,000        Sold

Cash buyers only.  No financing available in complex.

2 Bedroom, 1 Bathroom ground-level condo.

Available to households of 1-5 people.  Measure J.

799sf    Newer carpets/paint     End unit      Walk to beach     Complex pool/gym     Carport     $225/mo HOA includes water/gas/garbage     

Swan Lake 107 panoramic




755 14th Ave #709, Santa Cruz

$270,000        Sold

Cash buyers only.  No financing available in complex.

2 Bedroom, 1 Bathroom ground-level condo.

Available to households of 1-5 people.  Measure J.

799sf    Recently remodeled    Granite counters     New cabinets     New flooring     Walk to beach     Complex pool/gym     Carport     $225/mo HOA includes water/gas/garbage     

709 Swan Lake photo





119 Atherton Loop, Aptos

$328,577      Sold

Six year old, 2 Bedroom, 2 Bathroom PUD Townhome.

Available to households of 2-5 people.  Measure J.

1089sf     Cherry-faced cabinets     Granite/marble counters     Kitchen appliances included      Great condition      New interior paint/carpet     Close to Cabrillo

Due to expected demand, buyer will be chosen by lottery.  Prospective buyers must fill out this Interested Purchaser form and return to Micaela Lopez at the county planning department by 5/22. Or click here to fill out the form online. Buyer must also provide Micaela with a recent preapproval letter to be eligible. (Micaela.Lopez@santacruzcounty.us)  Sorry, no FHA loans.  Lottery will be held 5/29 at 3pm at the county building (do not need to be present to be chosen). See press release for more info. 

Atherton photos 




5313 Soquel Drive, Soquel

 $433,698      Sold

 4 Bedroom, 2 Bathroom Home.   Floor plan

 Available to households of 4+ people.  Measure J.

 1485sf     Kitchen/Bathrooms remodeled 5 years ago     Private yards    Central location       


Due to expected demand, buyer will be chosen by lottery.  Prospective buyers must fill out this Interested Purchaser form and return to Micaela Lopez at the county planning department by 5/22. Or click here to fill out the form online. Buyer must also provide Micaela with a recent preapproval letter to be eligible. (Micaela.Lopez@santacruzcounty.us)  Sorry, no FHA loans.  Lottery will be held 5/29 at 3pm at the county building (do not need to be present to be chosen). See press release for more info.  No showings available until after the lottery. Top few buyers selected will have opportunity to view the home and make an offer. 

Soquel photos





7245 Lotus Way, Aptos

$305,000      Sold

2 Bedroom, 1 Bathroom PUD Townhome.

Available to any size household.  Measure J.

1240sf     Private Patio     Oak Floors     Oak Cabinets     New Roof     Newer Appliances     Low HOA Dues     $250/mo includes water    Great Location     Nice Complex

Floor Plan          Virtual Tour






215 Pajaro Circle, Freedom

$279,000      Sold

3 Bedroom, 2.5 Bathroom PUD Townhome.

Available to any size household. 

2 Car Garage        1351 Sq Ft          Private Patio       11 Years Old          Large Porch          Oak Cabinets/Desk          Low HOA Dues        Driveway

 

 

 

216 Pajaro Circle, Freedom

$279,000      Sold

3 Bedroom, 2.5 Bathroom PUD Townhome.

Available to any size household. 

2 Car Garage        1351 Sq Ft          Private Patio       11 Years Old          Large Porch          Oak Cabinets/Desk          Low HOA Dues

 

 

 

154 Pajaro Circle, Freedom

$275,000      Sold

3 Bedroom, 2.5 Bathroom PUD Townhome.

Available to any size household. 

2 Car Garage        1351 Sq Ft          Private Patio       10 Years Old          Large Porch          Oak Cabinets/Desk          Low HOA Dues

 

 

 

755 14th Avenue #405, Santa Cruz

 $155,000        Sold      

 1 Bedroom, 1 Bathroom Condo.

 No financing available in complex. Buyer must have all cash.

 656 Sq Ft          Private Patio          Complex Pool/Gym          Low HOA Dues          Near the Beach!

 

 

 

755 14th Avenue #303, Santa Cruz

 $188,000        Sold      

 2 Bedroom, 1 Bathroom Condo.

 No financing available in complex. Buyer must have all cash.

 799 Sq Ft          Private Patio          Complex Pool/Gym          Low HOA Dues          Near the Beach!

 

 

 

755 14th Avenue #506, Santa Cruz

 $182,000        Sold      

 2 Bedroom, 1 Bathroom Condo.

 No financing available in complex. Buyer must have all cash.

 799 Sq Ft          Private Patio          Complex Pool/Gym          Low HOA Dues          Near the Beach!

 

 

 

214 Pajaro Circle, Freedom

$255,000      Sold

4 Bedroom, 2.5 Bathroom PUD Townhome.

Available to any size household. 

2 Car Garage        1474 Sq Ft          Private Patio       10 Years Old          Large Porch          Oak Cabinets/Desk          Low HOA Dues

 

 

 

 

211 Pajaro Circle, Freedom

$250,000      Sold

4 Bedroom, 2.5 Bathroom PUD Townhome.

Available to any size household. 

End Unit          2 Car Garage        1474 Sq Ft          Private Patio       9 Years Old          Large Porch          Oak Cabinets/Desk          Next to Greenbelt          Low HOA Dues

 

 

 

218 Pajaro Circle, Freedom

$219,000      Sold  

3 Bedroom, 2.5 Bathroom PUD Home.

Available to any size household. 

End Unit          2 Car Garage        1351 Sq Ft          Private Patio       8 Years Old          Wrap-Around Porch          Oak Cabinets/Desk          Upgraded Appliances          Washer/Dryer          Fresh Paint         Nice and Clean!

 

 

201 Amador, Watsonville

$299,000          Sold  

 3 Bedroom, 2.5 Bathroom Single Family Home.

Available to any size household.   

1482 Sq Ft          1 Car Garage          Huge Rear Yard          17 Years Old          Fireplace          Tile Floor          Brick Patio          High Ceilings         New Fridge          Fresh Paint          New Carpet         

 

 

 

606 Calle Cuesta, Watsonville

$285,000      Sold     

3 Bedroom, 2 Bathroom Single Family Home.

Up to 25% Down Payment Assistance Available. Available to any size household.  $14,250 down payment required from buyer.

 

Estimated Monthly Payment Breakdown:

  • Payment on 1st Mortgage:                          $1,017   (based on 4.55% 30 yr fixed mortgage of $199,500, per Bankrate.com, 11/29/10. Your rate and payment may vary.)
  • Payment on 2nd Mortgage:                         $0
  • Estimated HOA Dues                                 $110   (for front landscaping)
  • Estimated Property Taxes                           $285
  • Estimated Fire Insurance                             $48
  • Total Estimated Monthly Cost:              $1,460

1357 Sq Ft          1 Car Garage          17 Years Old          Fireplace          Tile/Wood Laminate Floors          High Ceilings          New Fridge/Range 

 

Click here for virtual tour.


  

 

 

 

 210 Pajaro Circle, Freedom

$280,000          Sold       

4 Bedroom, 2.5 Bathroom PUD Home.

Up to 25% Down Payment Assistance Available. Available to households of 2 or more people. $14,000 down payment required from buyer.

Estimated Monthly Payment Breakdown:

  • Payment on 1st Mortgage:                         $1,026   (based on 4.78% 30 yr fixed mortgage of $196,000 per Bankrate.com, 2/1/11. Your rate and payment may vary.)
  • Payment on 2nd Mortgage:                         $0
  • HOA Dues                                                 $190   (includes insurance, landscaping, roof, siding, and exterior paint.)
  • Estimated Property Taxes                           $279
  • Total Estimated Monthly Cost:              $1,495

End Unit          2 Car Garage        1351 Sq Ft          Private Slate Patio       6 Years Old          


 

 

 

145 Pajaro Circle, Freedom

$280,000           Sold

3 Bedrooms, 2.5 Bathrooms.  Wraparound porch overlooks neighborhood park!  One of few units with 2/C driveway and 2/C Garage!

20% Down payment assistance available. Available to any size household. $14,000 down payment required from buyer.

Estimated Monthly Payment Breakdown:

  • Payment on 1st Mortgage:                          $1,073   (based on 4.57% 30 yr fixed mortgage of $210,000, per Bankrate.com, 8/6/10. Your rate and payment may vary.)
  • Payment on 2nd Mortgage:                         $0
  • HOA Dues                                                 $190   (includes insurance, landscaping, roof, siding, and exterior paint.)
  • Estimated Property Taxes                           $280
  • Total Estimated Monthly Cost:              $1,543

End Unit          2 Car Garage          2 Car Driveway         1351 Sq Ft          Private Tile Patio          New Paint       Wraparound Porch        6 Years Old        Upgraded GE Appliances        New Refrigerator   

 

Click here for virtual tour. 

 

 

 

321 Sombra, Watsonville

$295,000          Sold

3 Bedroom, 2 Bathroom Single Family Home.

County-Owned, 25% Down Payment Assistance Available.

Down payment only $14,750.  First Loan only $206,500.  Sample loan payments: $1046/mo @ 4.5%.  $1,109/mo @ 5%.  $1,172/mo @ 5.5%.  Sample loan payments based on 30 year fixed-payment loan amortized (and fully paid off) over 30 years.  Your interest rate may vary.

$90/mo HOA fee covers front yard landscaping.

1323 Sq Ft          1 Car Garage          Large Yard          17 Years Old          Fireplace          Tile Counter/Floor          Brick Patio          High Ceilings          New Interior Paint  

  

  

 

 

187 Pajaro Circle, Freedom

$290,000        Sold

Corralitos Creek 4 Bedroom, 2.5 Bathroom Attached PUD Home.

County-Owned, 25% Down Payment Assistance Available.

Down payment only $14,500.  First Loan only $203,000.  Sample loan payments: $1,029/mo @ 4.5%.  $1,090/mo @ 5%.  $1,153/mo @ 5.5%.  $1,217/mo @ 6%.  Sample loan payments based on 30 year fixed-payment loan amortized (and fully paid off) over 30 years.  Your interest rate may vary.

$190/mo HOA fee covers insurance, roof, exterior, common area utilities, and landscaping.

Household must be 2 or more people.

End Unit          2 Car Garage          1474 Sq Ft          Private Patio          Solar Panels          New Fridge and Range          New Carpeting and Vinyl Floors          Fresh Interior Paint          6 Years Old                     

 

 

 

 

160 Pajaro Circle, Freedom

$286,000         Sold

Corralitos Creek 4 Bedroom, 2.5 Bathroom Attached PUD Home.

County-Owned, 25% Down Payment Assistance Available.

Down payment only $14,300.  First Loan only $200,200.  Sample loan payments: $1,014/mo @ 4.5%.  $1,075/mo @ 5%.  $1,137/mo @ 5.5%.  $1,200/mo @ 6%.  Sample loan payments based on 30 year fixed-payment loan amortized (and fully paid off) in 30 years.  Your interest rate may vary.

$190/mo HOA fee covers insurance, roof, exterior, common area utilities, and landscaping.

Household must be 2 or more people.

End Unit          2 Car Garage          1474 Sq Ft          Private Patio          New Fridge          New Carpeting          Fresh Interior Paint          6 Years Old               

  

 

 

265 Brown Gables Road #23, Ben Lomond 

$117,400            Sold 

New 2 Bedroom, 1 Bathroom Champion Manufactured Home.

County-Owned, 25% Down Payment Assistance Available.

Down payment only $5,870.  First Loan only $82,180.   Sample loan payments: $603/mo @ 8%.  $632/mo @ 8.5%.  $661/mo @ 9%. Sample loan payments based on 30 year fixed-payment loan amortized (and fully paid off) over 30 years.  Your interest rate may vary.

$272.25/mo space rent. Utilities are separately metered by park.

Household must be 1 or 2 people only.

Click here for park rules & regulations

 Never lived in          576 Sq Ft          Rear Yard w/ Shed          Oak Cabinets          Tile Backsplash          New Fridge and Range          Cul-de-sac Location