Santa Cruz Homes under $350,000

Welcome to Santa Cruz, California—a coastal gem that perfectly blends natural beauty with a vibrant community spirit. Nestled between the Santa Cruz Mountains and the stunning Pacific Ocean, this charming city is known for its picturesque beaches, lush redwood forests, and a laid-back atmosphere that attracts both residents and visitors alike. Whether you’re strolling along the iconic Santa Cruz Beach Boardwalk or exploring the eclectic shops and eateries of downtown, there’s always something captivating to discover.

For those seeking affordable housing options in this idyllic locale, Santa Cruz offers an array of homes priced under $350,000. While the market can be competitive, there are still opportunities to find cozy bungalows, charming condos, and even fixer-uppers that allow you to put your personal touch on your new home. These options provide a wonderful entry point into the Santa Cruz lifestyle, where you can enjoy the thriving local culture, outdoor adventures, and a sense of community that is hard to find elsewhere.

Living in Santa Cruz means embracing an active lifestyle, with access to miles of hiking and biking trails, world-class surfing spots, and breathtaking views that inspire outdoor enthusiasts year-round. Plus, the city’s commitment to sustainability and community engagement makes it an inviting place for families, young professionals, and retirees alike.

Explore the possibilities of finding your dream home in Santa Cruz, where the sun shines bright, the ocean waves beckon, and a vibrant community awaits you. Don’t miss your chance to be part of this extraordinary coastal paradise!

Newest Santa Cruz Homes under $350,000

$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

$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

$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

$59,000

2 Beds ⋅ 2 Baths ⋅ ML82055243 MLS ⋅ DeAnza Santa Cruz BLDG.

Make it yours! Under $60K and walk to the beach! This is a wonderful community on the prestigous west side of Santa Cruz on the ocean, offering so many amenities including walking trails to UCSC Seymour Marine Discovery Center and Natural Bridges State Beach Park. People love walking their dogs in the security gated park and enjoying a good book in the stunning club house library with spectacular ocean views! Year round heated salt water pool, outdoor ocean front jacuzzi, sauna, outdoor kitchen/patio/BBQ, fire pit. Enjoy pool time and BBQ's with family & friends or celebrate that special occasion. Exercise in the impressive indoor gym, beautiful club house with kitchen and awesome library room! This charming home needs a little TLC with your special added touches.The "pop out" sun porch area suggests a peek of the ocean, and is located at the end of the street so no neighbor on one side, and view of the adjacent, picturesque greenbelt. Like "living in a resort" in the heart of paradise. Tour the Club house and pool area a few blocks down, smell the sea, and walk down to the sand. Current monthly space rent $3100. so...Retire and relax by the ocean and live your best beach life in Santa Cruz bliss!

2395 Delaware Avenue 122, Santa Cruz

Listed by Kelley Youmans, 831-818-1739 from David Lyng Real Estate
(If provided) CoList: from

$265,000

2 Beds ⋅ 1 Baths ⋅ ML82028420 MLS

Welcome to Vista Prieta, a desirable senior community in Live Oak, ideally located between Santa Cruz and Capitola. This clean, move-in-ready ground floor single-level 2 bedroom condo offers comfortable, low-maintenance living for qualified buyers age 62 and older. The home features a bright floor plan, dedicated parking, and convenient access to the community laundry facility just down the hall. Residents also enjoy a community room perfect for socializing, puzzles, cards, and neighborhood gatherings. Enjoy easy access to shopping, dining, healthcare services, and the beautiful Santa Cruz coastline while benefiting from the affordability of the Measure J Housing Program. Important: This home is restricted to buyers who are 62+ and meet current Measure J Affordable Housing Program requirements. Buyers should review eligibility guidelines with their Realtor® and lender before scheduling a showing. County approval of buyer eligibility is required and should be included as a contingency in any offer. The Measure J approval process may require additional time, so escrow timelines should be adjusted accordingly.

121 Vista Prieta, Santa Cruz

Listed by Robert Slawinski, 408-505-0708 from eXp Realty of California Inc
(If provided) CoList: from

$268,500

3 Beds ⋅ 2 Baths ⋅ ML82022310 MLS ⋅ DeAnza Santa Cruz BLDG.

Welcome to your sunny slice of coastal paradise! This bright 2014 3-bed, 2-bath home is all about easy living by the sea. Vaulted ceilings and newer floors make the space light and airy, while the roomy front porch with a view is just begging for morning coffee or evening chats with friends. Love the outdoors? The huge sunny side yard, one of the biggest in the park, is perfect for gardening, lounging, or hosting a BBQ. Inside, the primary suite has a walk-in closet and dual-sink bath, and another bedroom opens right to the yard for those fresh ocean breezes. Plus, you'll love the oversized shed and convenient carport entry. Life at DeAnza's oceanfront enclave feels like vacation every day. Located across from the pond and walking trails where you can take a stroll to your private beach, dip into the heated pool and spa, sweat it out in the sauna or gym, then gather at the clubhouse for potlucks, yoga, or sunset cocktails by the fire pit. Nature is your backyard with tide pools, Natural Bridges, and the Monarch Trail just steps away. And when you're not soaking up the coastal vibe, youre minutes from Santa Cruz, Monterey, or a quick drive to the Bay Area. No property taxes, 55+ park (40+ to own), and fully rentable after six months, this is beach-town fun with a splash of luxury.

2395 Delaware AVE 88, Santa Cruz

Listed by Kasey Hinchman, 831-239-3708 from David Lyng Real Estate
(If provided) CoList: from

$220,000

1 Beds ⋅ 1 Baths ⋅ ML81976411 MLS ⋅ Vista Prieta BLDG.

Cute and clean condo, looking for qualified buyer. Are you 62 or older, on a limited income, looking for an affordable condo, in a convenient location in the heart of Santa Cruz County? Read on! Vista Prieta is a Senior, Measure J condo complex situated in Live Oak, the "sweet spot" between City of Santa Cruz and City of Capitola. This clean, upstairs, single level condo is in great shape and ready to sell. Common area laundry room is just down the hall, and a dedicated, uncovered parking spot is included in the purchase. Use the community room to work on a puzzle or play cards with neighbors. NOTE: Some photos have been virtually staged - no furniture is included in sale or physically on site. PLEASE NOTE: This unit is reserved for a buyer(s) who is 62 or older AND who qualifies to purchase under the current Measure J requirements. PLEASE CAREFULLY REVIEW THOSE REQUIREMENTS WITH YOUR REALTOR AND LENDER BEFORE VIEWING THE UNIT OR WRITING AN OFFER. Sorry, no investors. BUYER TO VERIFY ALL INFORMATION.

203 Vista Prieta CT, Santa Cruz

Listed by D. Leilani Williams, 831-345-7912 from Coastal Life 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 Bailey Properties 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.