Cottage / Storybook home in Santa Cruz, CA
Set in Santa Cruz, CA, this Cottage home provides 2 bedrooms and 1 bathroom across 984 square feet. Its Cottage character defines the property's look.
| Price | $1,600,000 |
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| Beds | 2 |
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| Baths | 1 |
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| Sqft | 984 |
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| Architectural style | Cottage / Storybook (40% match) |
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| Address | 4430 Portola Dr, Santa Cruz, CA 95062 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced above comparable homes.
- At $1.6M, this home is 46% above the $1.1M median for 30 similar Cottage / Storybook homes in Santa Cruz, CA.
- That works out to $1626 per square foot, 50% above the $1082 comparable rate.
- New to market (5 days), so expect competition.
| This home | $1,600,000 |
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| Cottage / Storybook median in Santa Cruz, CA | $1,099,000 (30 homes) |
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| Price per sq ft | $1,626 vs. $1,082 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $10,958/month with 20% down at a 7.28% 30-year fixed rate. You would need about $469,625 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $8,758/mo |
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| Property tax (new-buyer reassessed rate) | $1,600/mo |
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| Homeowners insurance | $600/mo |
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| Total monthly | $10,958/mo |
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| Down payment (20%) | $320,000 |
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| Income needed | $469,625/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home B- (68 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | B- (68/100) |
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| Beats renting in | 20% of modeled paths |
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| Modeled 5-yr equity (median) | $856,858 |
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| Range (10th to 90th pct) | $533,220 to $1,246,168 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Santa Cruz, CA where local data is thin.
Local home values
Typical home values in Santa Cruz, CA have risen about 12% over the past 5 years (+5% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Zillow