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Lower Ocean Homes for Sale

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  • /17

    $2,500,000

    • 3 Beds
    • 2 Baths
    • 2,150 Sq Ft

    338 Ocean St, Santa Cruz, CA 95060

    Charming Victorian-style duplex in the heart of Santa Cruz. The upper unit offers approximately 1,100 sq. ft. with 2 bedrooms and 1 bathroom, while the lower unit features approximately 800 sq. ft. with 1 bedroom and 1 bathroom, ideal for investment, owner-occupancy, or multigenerational living. A standout feature is the expansive 17,976 sq. ft. lot, offering compelling future development

    Paul Zech Coldwell Banker Realty

    338 Ocean St, Santa Cruz, CA 95060
  • /5

    $1,200,000

    • 3 Beds
    • 2 Baths
    • 1,475 Sq Ft

    319 Jessie St, Santa Cruz, CA 95060

    319 Jessie St, Santa Cruz-Turnkey Cash Flow in a Supply-Starved Market. At $4,800/month in current rental income, this East Santa Cruz income property is already working for you from day one. Annualized, that's $57,600 in gross rents on a $1,200,000 ask in a coastal California city where vacancy rates stay historically low and rental demand consistently outpaces supply. The 3-bed, 2-bath

    Paul Zech Coldwell Banker Realty

    319 Jessie St, Santa Cruz, CA 95060
  • /2

    $1,515,000

    • 7 Beds
    • 3 Baths
    • 2,159 Sq Ft

    312 Ocean St, Santa Cruz, CA 95060

    Raul Richardson Real Estate Investment Experts, Inc.

    312 Ocean St, Santa Cruz, CA 95060

Why Live in Lower Ocean

Lower Ocean in Santa Cruz is a sunny residential neighborhood with palm trees and lush landscaping. Located just minutes from the bustling beachfront and colorful downtown district, it offers a more affordable living option compared to nearby areas like Seabright. Homes with vintage architecture include Craftsman bungalows with exposed beams and wide front porches and Mediterranean Revivals with red-tiled rooftops and stucco facades. Lower Ocean is within walking distance to downtown Santa Cruz, which is home to a variety of eateries, bars, and attractions such as the Santa Cruz Museum of Art & History and the Santa Cruz Beach Boardwalk, California’s oldest amusement park. Dining options include Los Primos Taqueria and Los Viejones Taco Truck. The neighborhood is bordered by the Santa Cruz Riverwalk, a 2.5-mile pedestrian and bike path that connects the beach to downtown. Other outdoor amenities are Riverside Gardens and Mike Fox Skate Park. Lower Ocean is a few blocks from Santa Cruz Beach, a surfing hotspot. The area is served by highly rated schools including Branciforte Middle School and Harbor High School. It should be noted that the neighborhood is in a flood plain due to its proximity to the San Lorenzo River, necessitating flood insurance for many homes. Lower Ocean is conveniently located about a mile from state Route 1 and 2 miles from state Route 17. Several Santa Cruz Metro bus lines are available as well.

Frequently Asked Questions

Is Lower Ocean a good place to live?
Lower Ocean is a good place to live. Lower Ocean is considered fairly walkable and a biker's paradise with good transit options. Lower Ocean has 3 parks for recreational activities. It is very dense in population with 23.4 people per acre and a median age of 34. The average household income is $100,495 which is below the national average. College graduates make up 49.2% of residents. A majority of residents in Lower Ocean are renters, with 81.9% of residents renting and 18.1% of residents owning their home. A local real estate agent serving Lower Ocean can help you decide if this neighborhood is the right one for you. Learn more on our Lower Ocean neighborhood guide.
Is Lower Ocean, CA a safe neighborhood?
Lower Ocean, CA is less safe than the average neighborhood in the United States. It received a crime score of 5 out of 10.
How much do you need to make to afford a house in Lower Ocean?
The median home price in Lower Ocean is $1,034,500. If you put a 20% down payment of $206,900 and had a 30-year fixed mortgage with an interest rate of 6.01%, your estimated principal and interest payment would be $4,970 a month plus property taxes, HOA fees, home insurance, PMI, and utilities. Using the 28% rule, you would need to make at least $213K a year to afford the median home price in Lower Ocean. Learn how much home you can afford with our Home Affordability Calculator. The average household income in Lower Ocean is $100K.
What are the best public schools in Lower Ocean?
The best public schools that serve Lower Ocean are:
  • Santa Cruz High School has an A Niche grade, a student teacher ratio of 22:1 and an average review score of 3.8.
  • Mission Hill Middle School has an A- Niche grade, a student teacher ratio of 20:1 and an average review score of 4.0.
  • Soquel High School has an A- Niche grade, a student teacher ratio of 21:1 and an average review score of 3.7.
What are the best private schools in Lower Ocean?
The best private schools that serve Lower Ocean are:
  • Kirby School has an A+ Niche grade, a student teacher ratio of 6:1 and an average review score of 4.6.
  • Spring Hill School has an A+ Niche grade, a student teacher ratio of 5:1 and an average review score of 4.6.
  • Gateway School has an A+ Niche grade and a student teacher ratio of 6:1.
What are the most popular zip codes in Lower Ocean, Santa Cruz, CA?
The most popular zip codes in Lower Ocean, Santa Cruz, CA include 95060, 95062, 95065, 95010 and 95073.
What are the most popular neighborhoods near Lower Ocean, Santa Cruz, CA?
The most popular neighborhoods near Lower Ocean, Santa Cruz, CA are Lower Ocean, Downtown Santa Cruz, Lower Seabright, Lighthouse-The Circles and Upper Seabright.

Home Trends in Lower Ocean, CA

Housing Trends

Median Sale Price
$999,000
Median Single Family Sale Price
$1,039,000
Average Price Per Sq Ft
$768
Number of Homes for Sale
1
Last 12 months Home Sales
5
Months of Supply
2.40
Median List Price
$1,034,500
Median Change From 1st List Price
0%
Median Home Sale Price YoY Change
17%
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