Santa Cruz County Homes under $350,000

Welcome to Santa Cruz County, a picturesque gem nestled along California's stunning central coast. Known for its breathtaking beaches, vibrant coastal culture, and lush redwood forests, Santa Cruz offers a unique blend of natural beauty and urban charm. Whether you're an outdoor enthusiast, a beach lover, or someone who enjoys a lively arts scene, this county has something for everyone.

For those looking to make Santa Cruz their home without breaking the bank, there are delightful options available under $350,000. While the real estate market can be competitive, savvy buyers can discover cozy condos, charming townhomes, and inviting single-family residences that provide the perfect starting point for first-time homeowners or those seeking a serene retreat.

Imagine waking up to the sound of waves crashing and spending your weekends exploring the Santa Cruz Beach Boardwalk or hiking through the majestic redwoods of Henry Cowell Redwoods State Park. With its friendly neighborhoods, excellent schools, and a strong sense of community, living in Santa Cruz County means more than just a home; it’s about embracing a lifestyle filled with adventure and connection.

The local real estate market is diverse, offering properties that cater to various tastes and budgets. Whether you prefer a quaint cottage in a quiet neighborhood or a modern condo with ocean views, Santa Cruz County has options that will meet your needs. Don’t miss out on the opportunity to find your perfect home in this enchanting coastal paradise!

Newest Santa Cruz County Homes under $350,000

$279,000

1 Beds ⋅ 1 Baths ⋅ ML82060245 MLS ⋅ Redwoods on the River BLDG.

Escape to the redwoods! Nestled in the peaceful & scenic Redwoods on the River community, this beautifully refreshed 1-bedroom home with an office/bonus room (potential 2nd bedroom) offers the perfect blend of comfort, charm & nature. Step inside to discover new engineered harwood flooring, fresh interior paint, new wainscoting & updated light fixtures. The refreshed kitchen features freshly painted cabinetry, new quartz countertops, a stylish backsplash, new sink & faucet, black hardware & a new light fixture. Skylights and windows fill the home with natural light while bringing the beauty of the surrounding greenery indoors. The spacious primary bedroom offers ample closet & storage space. The light-filled office/bonus room opens directly to the back porch overlooking peaceful nature views, the perfect spot to relax w/ your morning coffee. The bathroom has also been refreshed w/ a newly glazed bathtub & double sinks, new faucets & black hardware. Outside, enjoy fresh exterior paint, a new bamboo privacy fence, inviting front and back porches, 2 storage sheds & a spacious rear wood deck, perfect for quiet evenings or entertaining beneath the redwoods. Best of all, take a short stroll to the San Lorenzo Riverbank & enjoy the natural beauty that this community has to offer!

265 Brown Gables RD 27, Ben Lomond

Listed by Ronelyn Samudio, 408-674-4462 from Intero Real Estate Services
(If provided) CoList: from

$300,000

2 Beds ⋅ 1 Baths ⋅ ML82061513 MLS

Contractors special on nearly 22,000 sq ft along King Creek in Boulder Creek. This bank owned 2 bed, 1 bath sits on a generous lot where the creek runs close by, tucked into the redwoods covered Santa Cruz Mountains. Remodeling got underway but stopped short. Someone with the skills, or the vision to hire them, can finish the upgrades and turn this into a solid mountain home. It needs a new roof and wood repair. The foundation requires attention, yet its easily accessible under the house, which simplifies the work. Santa Cruz County requires a new septic system before occupancy. Heres the upsidelocation. Youre minutes from downtown Boulder Creeks small town feel, with Highway 9 leading toward Big Basin Redwoods State Park, hiking trails, and the rest of the San Lorenzo Valley. Close enough for a Silicon Valley commute on good days, far enough for real quiet and outdoor living. This is unfinished potential on a creekside lot, ready for the right buyer to complete the project and claim a piece of mountain serenity.

495 Riverview DR, Boulder Creek

Listed by Robin Bezanson, 408-892-5763 from RE/MAX Realty Partners
(If provided) CoList: from

$265,000

1 Beds ⋅ 1 Baths ⋅ ML82061465 MLS ⋅ Opal Cliffs Mobile Home Park BLDG.

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 Birchwood bar with a brass rail, and excellent built-in storage. Restored claw-foot bathtub with built-in Redwood shelving. Fully updated electrical and plumbing, plus a gas heater (under 10 years old) to warm up fast after a surf session. Turnkey & Passed recent home inspection with no issues.

890 38th AVE 19, Santa Cruz

Listed by MJ Stearns, 831-531-5074 from eXp Realty of California Inc
(If provided) CoList: Jesse Lopez from eXp Realty of California Inc

$350,000

2 Beds ⋅ 1 Baths ⋅ ML82060915 MLS

Contractor Special! Bring your tools and inspiration to make this gem sparkle again! Newer roof, good commute location with public transportation option as bus stop close to home. Walking distance to town, with a newer roof and space for a carport. There is a redwood sauna in the home which has been used as a closet in unknown condition, laundry is located in shed behind home, covered firewood storage in front of fence.

13854 Highway 9, Boulder Creek

Listed by Suzanne Hood, 831-566-6252 from CENTURY 21 Masters
(If provided) CoList: from

$271,000

1 Beds ⋅ 1 Baths ⋅ ML82061172 MLS ⋅ Scotts Valley Mobile Home Park BLDG.

Welcome to easy, low-maintenance living in desirable Scotts Valley! This charming efficiently designed light-filled living space. Clean, cozy, and meticulously taken care of, this home is ready for you to move right in. Major upgrades have already been taken care of for total peace of mind: a new roof and a new HVAC system, both installed with permits in 2022. Outside, you'll love the super low-maintenance yard, giving you more time to relax and explore the area without the hassle of heavy yard work. Best of all, the prime location offers incredible convenience! You are within easy walking distance to Scotts Valley Market and local dining. Whether you are downsizing, looking for a starter home, or searching for an affordable footprint, this sweet property delivers comfort, quality, and convenience. Easy access to coastal beaches, redwoods, and Highway 17 for quick commuting.

5344 Scotts Valley DR 20, Scotts Valley

Listed by Paul Burrowes, 831-295-5130 from David Lyng Real Estate
(If provided) CoList: from

$157,000

2 Beds ⋅ 1 Baths ⋅ ML82060443 MLS

RED-TAGGED PROPERTY CONTRACTOR/REHAB OPPORTUNITY. Nestled among the redwoods in a peaceful mountain setting, this property offers a unique opportunity for a buyer, builder, or contractor seeking a substantial renovation project. Enjoy Redwood decks overlooking Maple, Redwood, and Bay trees, along with a private walking bridge spanning Lompico Creek and providing views of the surrounding natural setting. The sale includes three parcels: APNs 075-331-06 and 075-331-07 on Lompico Road, and APN 075-111-25 on Creekwood Road. The property is currently RED TAGGED and requires significant repairs and rehabilitation. The project may include construction of a large engineered retaining wall, removing debris from a landslide from the rear of the property, septic tank replacement, and a complete renovation of the residence.

10857 Lompico RD, Felton

Listed by Nina Pozdnyakova, 650-619-6249 from New Light Realty
(If provided) CoList: from

$195,000

1 Beds ⋅ 1 Baths ⋅ ML82059877 MLS ⋅ EL RIO MOBILE HOME PARK BLDG.

Own a share in this welcoming, all-age co-op community, ideally located within walking distance of downtown Santa Cruz! Situated on one of the park's larger lots, this approximately 1,600-square-foot space offers two parking spots and is considered one of the community's most desirable locations. A gate along the back fence provides convenient access to the Riverwalk and bike path. Mature perimeter landscaping includes roses, honeysuckle, and a loquat tree. The existing home is being sold strictly AS-IS and must be removed from the property after close of escrow; the price reflects this. Income restrictions apply, and park board approval is required for ownership. Many residents have proudly called this friendly community home for decades! 2026 income limits: One person: $122,200; Two people: $139,650 The 2026 co-op share buy-in is $4,613 and is refundable to the buyer upon a future sale. Property taxes are billed through the park and paid twice annually.

2120 N Pacific AVE 52, Santa Cruz

Listed by Steff Lutz, 831-345-8755 from Epique Realty
(If provided) CoList: from

$150,000

2 Beds ⋅ 2 Baths ⋅ ML82058264 MLS ⋅ DeAnza BLDG.

OCEAN VIEW without the exorbitant price tag. Get ready to be captivated off the deck from this incredible beachside location. DeAnza Park is coastal premier amongst senior 55+ community living. This spacious unit has an updated kitchen and flooring throughout. Baths have been partially updated and ready to welcome its new owner. New outdoor Trex deck wrap halfway around the home and the setback on both sides leave ample space between neighbors and creates opportunities to reimagine the space as you wish to use it. Lets make your ocean view home and live by the beach a reality right here!

2395 Delaware AVE 85, Santa Cruz

Listed by Malaka Thompson, 831-359-8870 from Serhant California Inc
(If provided) CoList: from

$325,000

2 Beds ⋅ 2 Baths ⋅ ML82058722 MLS ⋅ De Anza Mobile Home Park BLDG.

Amazing ocean views from this beautiful home situated above the beach! The views of the ocean and nearby beach make this a perfect place to relax with a book within minutes of the home. There is also a large new deck and a recently landscaped outdoor area to enjoy. This location is walking distance to the Clubhouse, year-round heated swimming pool, sauna, outdoor kitchen, and jacuzzi, all for your enjoyment as an owner in this amazing community! As you enter this home, you are greeted with lots of natural light and a spacious living room. The built-ins in the living room and dining area offer extra storage and a place to display your special pieces. The kitchen has quartz countertops and ocean-colored grey/blue cabinets. The stylish blue refrigerator is a special piece, too! Both bathrooms are remodeled, and there is a walk-in closet in the primary bedroom. The inside laundry room adds to everyday convenience. There is an attached room that is perfect for an office, hobby room, or possibly another sleeping area. Come check out this home. It's special!

2395 Delaware AVE 158, Santa Cruz

Listed by Jason Brunetti, 831-247-5158 from Coldwell Banker Realty
(If provided) CoList: Pamela Samuelson from Coldwell Banker Realty

$250,000

4 Beds ⋅ 2 Baths ⋅ ML82057479 MLS ⋅ Sumner Woods BLDG.

Own your slice of the Aptos beach lifestyle! This is a FRACTIONAL OWNERSHIP opportunity offering approximately 6-7 weeks of use per year in a beautifully maintained coastal retreat. Enjoy the benefits of a second home without the full-time expense, with a rotating schedule that provides flexibility throughout the year. Whether you're seeking weekend escapes, family vacations, or a relaxing beach getaway, this is an affordable way to enjoy coastal living. Ideally located near Seascape Resort, Seascape Golf Club, private beach access, shopping, dining, and miles of scenic coastline, this 4-bedroom, 2-bath home offers 2,019± sq. ft. of inviting living space. Vaulted ceilings, skylights, and abundant natural light enhance the home's open feel. The kitchen features granite countertops, a gas cooktop, built-in oven, microwave, dishwasher, and refrigerator. Enjoy a cozy wood-burning fireplace, spacious primary suite with updated bath and dual sinks, indoor laundry, central forced-air heating, double-pane windows, and an attached 2-car garage. A rare opportunity to enjoy a second home in one of Aptos' most desirable beach communities.

103 Dunsmuir CT, Aptos

Listed by Chelsie Wiget, 831-421-2024 from eXp Realty of California Inc
(If provided) CoList: from

$337,000

3 Beds ⋅ 2 Baths ⋅ ML82056948 MLS ⋅ Deanza Santa Cruz BLDG.

New price for this amazing home in a great location in DeAnza Mobile home park, tucked away on a large corner lot with lots of privacy and views of Natural Bridges State Park, and Natural Bridges State Beach!!! Watch the waves crash, smell the ocean air, and ENJOY the beach and ocean views from your home!! This home offers extra parking, including a 2 car garage, a carport, and additional parking. This home has recently been painted inside and out. As you enter you are greeted with vaulted ceilings, lots of storage, an over sized living room and dining area. The kitchen has beautiful white tile and lots of counter space. The large laundry room is near the kitchen for added convenience. 3 large bedrooms and 2 full baths offer plenty of living space. Soak in the sunken tub in the primary bath while enjoying views of the State beach and waves. This is a special home with so many amenities, come take a look!

2395 Delaware AVE 188, Santa Cruz

Listed by Pamela Samuelson, 831-247-1522 from Coldwell Banker Realty
(If provided) CoList: from

$349,000

2 Beds ⋅ 2 Baths ⋅ ML82055669 MLS ⋅ Rancho Corralitos BLDG.

Spectacular Mountain Views & Peaceful Co-op owned 55+ Living Resident Owned Park! Situated in one of Santa Cruz County's most desirable resident owned park locations, this home sits along the coveted Terrace in the highly sought-after Rancho Corralitos Co-op owned 55+ community. Enjoy a serene, sun-drenched country setting among rolling hillside terraces, complete with sweeping, unobstructed mountain views right from your private deck and living spaces. Life at Rancho Corralitos feels like a year-round retreat. Step outside into a peaceful, nature-immersed environment and take full advantage of the broad range of community amenities just moments from your front door including scenic walking trails, a dog park, bocce court, swimming pool, hot tub, clubhouse (host to active social gatherings), library, and exercise room. Whether participating in varied community events or taking in the panoramic vistas from your deck, this location offers an unmatched lifestyle. This home needs repairs prior to occupancy. Ideal opportunity to clear the lot and replace with a brand-new manufactured home. New owner membership fee of $15,000, not included in the purchase price.

270 Hames RD 54, Corralitos

Listed by Patty and Bryan Hayes, 831-252-0372 from David Lyng Real Estate
(If provided) CoList: from

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The data relating to real estate for sale on this display comes in part from the Internet Data Exchange program of the MLSListingsTM MLS system. Real estate listings held by brokerage firms other than Intero Real Estate Services are marked with the Internet Data Exchange and detailed information about them includes the names of the listing brokers and listing agents.
Based on information from MLSListings MLS as of . All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.