$1,795,000
123 Merced Avenue
Santa Cruz, CA 95060 · 699 - Not Defined
Open in Maps· Open house Thu, Jul 16 · 4:30 PM
Open house
Thu, Jul 16, 4:30 PMAdd to Calendar — times subject to change; confirm with NJV before you go.
Interested?
Listing agent: Sam Bird-Robinson
Listing office: Compass
Contact: 831-515-8582
Advertising broker: NJV Realty, DRE #02446814
MLS# ML82054301 · CRMLS
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About this home
Discover the endless possibilities of this Lower Westside gem, located just two houses away from the ocean! This charming 2-bedroom, 2-bath single-story home offers the perfect canvas to build or reimagine your dream…
Facts & features
3D / virtual tour
This listing is flagged for a virtual or 3D tour. Request the Matterport / tour link from NJV and we'll send it or walk you through the home live.
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Area
699 - Not Defined
Micro-markets vary by street. Ask NJV for street-level comps and commute notes.
Schools
Verify with district
Official ratings and boundaries must be confirmed with the school district. Live rating APIs not connected yet.
Price / sq ft
$1,333
This home only. Sold comps give better context than a single automated value.
Walk & lifestyle
Tour the block
Live Walk Score® appears in the Walk & access panel when coordinates are available. For block-level feel, schedule a tour or ask about parks, shopping, and transit.
Location
123 Merced Avenue, Santa Cruz, CA, 95060
Map location is approximate and for reference only. Confirm boundaries, access, and disclosures with your agent before relying on location for decisions.
Property history
Listed Jul 15, 2026 at $1,999,000. On the market for 38 days. Asking $1,795,000, which is $204,000 less than the first price.
Jul 15, 2026
Listed at $1,999,000
Aug 5, 2026
Asking $1,795,000
$204,000 less than the first price.
- Status
- Active
- Days on market
- 38
- MLS number
- ML82054301
Source: CRMLS
About this information
List prices, original list price, previous list price, and price-change timestamps shown here are supplied by CRMLS through the IDX feed when available. NJV Realty does not invent intermediate price points. A listing may have had additional changes that are not included in the public IDX fields. Data is deemed reliable but not guaranteed. This is not an appraisal, formal opinion of value, or Comparative Market Analysis (CMA). For a formal CMA or valuation discussion, contact NJV Realty.
Price history
The first asking price was $1,999,000. It is now $1,795,000, which is $204,000 less.
1. First price
$1,999,000
Listed Jul 15, 2026
2. Now
$1,795,000
Since Aug 5, 2026
Source: CRMLS
About this information
List prices, original list price, previous list price, and price-change timestamps shown here are supplied by CRMLS through the IDX feed when available. NJV Realty does not invent intermediate price points. A listing may have had additional changes that are not included in the public IDX fields. Data is deemed reliable but not guaranteed. This is not an appraisal, formal opinion of value, or Comparative Market Analysis (CMA). For a formal CMA or valuation discussion, contact NJV Realty.
Schools
Nearby schools from GreatSchools when configured. Always confirm attendance boundaries with the district — assignment is by address, not city name alone.
No live school list yet. Add GREAT_SCHOOLS_API_KEY or use the public links below.
District & public links
- GreatSchools school finder ↗Third-party ratings — verify boundaries
- California School Directory (CDE) ↗
School data © GreatSchools.org when API is configured.
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Listing notices & complianceShow
Listing information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by CRMLS or NJV Realty. © Multiple Listing Service. All rights reserved. Listing data may not reflect all real estate activity in the market. Properties may have sold, been withdrawn, or changed price without notice. Square footage, lot size, room counts, and other measurements are approximate and should be independently verified. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed. NJV Realty (Advertising Broker, California DRE #02446814) displays listings under the CRMLS IDX program when enabled; listing agent and listing office are identified on each property display.
Mortgage estimate for this home
Payment figures are estimates only — not a loan offer or rate lock. NJV Realty is a real estate brokerage.
Estimated Monthly Payment Range
$10,725 – $10,922/mo
Scenario at 6.50% with a conservative buffer. Not a loan offer or rate lock.
- Principal & Interest$9,076
- Property Tax$1,645
- Insurance$200
- Total Interest (life of loan)$1,831,539
Based on these assumptions
$10,725 – $10,922/mo estimated range
$1,795,000 home · $359,000 down (20%) · 30-yr fixed at 6.50% default rate assumption · $19,745/yr tax (~1.10% estimate) · $2,400/yr insurance · no PMI (20%+ down).
Even when a market rate snapshot is displayed, mortgage rates change daily and vary by borrower, loan amount, occupancy, and lock period. The rate shown is not guaranteed and is not a rate lock until confirmed in writing by a licensed loan originator.
Payment ranges on this site use stated assumptions — including an estimated interest rate, property tax rate by ZIP (or California average), home insurance by price tier, and HOA dues you provide or we assume. These figures are for budgeting only and are not a loan offer. Your actual monthly payment will depend on your locked rate, credit profile, loan program, impounds, insurance quote, Mello-Roos or special assessments, and other costs determined at application.Information on this page — including payment estimates, rate examples, and pre-qualification discussions — does not constitute a loan offer, loan commitment, rate lock, or guarantee of credit approval. A formal Loan Estimate will be provided after you submit a complete application, as required by the TILA-RESPA Integrated Disclosure rule (TRID), Regulation Z (12 C.F.R. Part 1026) and Regulation X (12 C.F.R. Part 1024). All loans are subject to credit approval, property appraisal, underwriting guidelines, and investor requirements.