About This Home

This 3-bedroom, 2-bathroom multi-family at 419 Cedar in Santa Cruz, CA is listed for $1,495,000. Built in 1928, on a 0.11 acres lot.

Key Features

  • Built in 1928
  • 0.11 acre lot
  • 1 parking spaces

Property Details

1 story
2 full
1 space
1928
Listing Description

TWO DETACHED HOMES IN THE HEART OF DOWNTOWN SANTA CRUZ! Discover a rare opportunity to own a charming duplex featuring two separate residences at 419 Cedar Street and 209 Elm Street, offering exceptional flexibility for homeowners, investors, and those seeking a unique live-work opportunity.

The main Cedar Street residence features 2 bedrooms, a dedicated office, and 1 bathroom, blending classic Santa Cruz character with modern updates, including fresh interior and exterior paint, updated flooring, and lighting. Privately situated behind the main home, the detached Elm Street cottage offers 1 bedroom and 1 bathroom, creating an ideal o

pportunity for rental income, multigenerational living, guest accommodations, or additional personal space. Both residences are recognized as legal dwelling units. Enjoy abundant gated, private outdoor living areas, providing peaceful spaces to relax, entertain, or enjoy the coastal climate right in the middle of downtown.

Zoned Community Commercial (CC), the property also offers intriguing possibilities for residential and commercial uses, subject to city approval. LOCATION, LOCATION, LOCATION! Step outside and experience the best of Santa Cruz living. Walk to downtown restaurants, coffee shops, boutiques, theaters, live music, nightlife, farmers markets, and the vibrant local arts scene.

The Santa Cruz Beach Boardwalk, Wharf, and beautiful beaches are approximately 0.7 miles away, while the majestic redwood forests are just a short drive from your doorstep. Rich in local history, 419 Cedar Street was once home to Chimney Sweep Books, a beloved Santa Cruz shop specializing in rare and antiquarian books.

Whether you're looking to live in one home and rent the other, expand your investment portfolio, or explore the possibilities of a flexible downtown property, this distinctive duplex offers an exceptional combination of location, character, privacy, and opportunity. Two detached homes. One incredible downtown Santa Cruz location. Endless possibilities!

Monthly Cost Estimate

$7,996/mo

20% down · 6.5% · 30 years

Principal$1,081
Interest$6,478
Insurance$436

Estimates only. Actual payments may vary.

Location

419 Cedar

Santa Cruz, CA 95060

Features & Amenities

Interior Features

Ceiling Fan(s)

Property Details

Flooring

Vinyl

Construction

Frame

Parking

CoveredDriveway

Heating

Central

Appliances

Gas Cooktop

Questions & Answers

This 3-bedroom, 2-bathroom multi-family at 419 Cedar is listed at $1,495,000. The estimated monthly payment is $7,996 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1928, 0.11 acre lot, 1 parking spaces. Interior Features: Ceiling Fan(s).

This property is listed by Sinan Zakaria.

SZ

Sinan Zakaria

License 01948642

Agent at Listed Simply

Listed by Listed Simply · Broker phone: (800) 995-5879 · Broker website

MLS# SW26232965· Source: California Regional Multiple Listing Service, Inc· 6 days on PropertySimple

Copyright © 2026 California Regional Multiple Listing Service, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

419 Cedar, Santa Cruz, CA 95060

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