Discover a rare Santa Cruz opportunity offering approximately 1,803 sq ft of beautifully remodeled living space across two separate dwellings: a turnkey 2-bedroom, 1-bath main home plus a fully permitted, detached 1-bedroom, 1-bath ADU, all on a generous lot in the desirable Banana Belt neighborhood. The 1,281 sq ft main residence is move-in ready, featuring LVP flooring, a stylishly remodeled kitchen with quartz countertops, stainless steel appliances, updated cabinetry and tile backsplash, plus a striking fireplace feature. Thoughtful upgrades continue throughout with modern fixtures, new window blinds, and a beautifully tiled shower. The detached ADU has been fully remodeled with a fresh, modern aesthetic and quality finishes, creating a private and versatile second dwelling. Perfect for extended household living, guests, a home office, or rental income, the ADU adds exceptional flexibility and value. Outside, enjoy an expansive backyard with room for gardens, entertaining, play space, or a private retreat. Ample parking adds convenience. With two beautifully updated dwellings and approximately 1,803 sq ft of combined permitted living space, this is a rare opportunity for turnkey living with the flexibility of a separate ADU in one of Santa Cruz's desirable neighborhoods.
Banana Belt, located between Downtown Santa Cruz and Seabright, is a residential and walkable Santa Cruz neighborhood with a sun-warmed microclimate and a grid of leafy streets. The neighborhood’s character concentrates around the Pacific Avenue corridor near the Downtown core, where coffee counters, indie boutiques, and late-night bites keep sidewalks active. Architectural cues lean Craftsman bungalows, Victorians, and small apartment courts tucked behind mature trees. Bookshop Santa Cruz and the Del Mar Theatre act as cultural anchors for readings, film, and community nights. The Santa Cruz Museum of Art & History adds gallery energy close to everyday errands. Beach Street and the San Lorenzo River paths shape a bike-forward rhythm from town to the water.
Provided by Walk Score and Local Logic
Property details
Interior
Exterior
Finance
Interior features
Separate family room
Accessory dwelling unit
Skylights
Fireplace in living room
Bedrooms
2 bedrooms
Bathrooms
1 full bathroom
Kitchen
Dishwasher
Garbage disposal
Range hood
Gas oven range
Refrigerator
Laundry & utility
Laundry in utility room (inside)
Flooring
Laminate flooring
Tile flooring
Heating & cooling
Wall furnace
Exterior features
Backyard
Neighborhood view
Wood fencing
Home design
Single family home
Detached
Concrete slab foundation
Parking
Attached garage
Uncovered parking
1 garage space
Construction
Wood frame construction
Composition roof
Built on concrete slab
Utilities
Public water
Public sewer
Public utilities
Other
Lot is level
Zoning: R15
Lot size approximately 0.248 acre
Living area listed as 1,281 (unit omitted per instructions)
Accessory dwelling unit size listed as 522 (unit omitted per instructions)
Electricity and solar
View estimated energy costs and solar savings for this home
Discover a rare Santa Cruz opportunity offering approximately 1,803 sq ft of beautifully remodeled living space across two separate dwellings: a turnkey 2-bedroom, 1-bath main home plus a fully permitted, detached 1-bedroom, 1-bath ADU, all on a generous lot in the desirable Banana Belt neighborhood. The 1,281 sq ft main residence is move-in ready, featuring LVP flooring, a stylishly remodeled kitchen with quartz countertops, stainless steel appliances, updated cabinetry and tile backsplash, plus a striking fireplace feature. Thoughtful upgrades continue throughout with modern fixtures, new window blinds, and a beautifully tiled shower. The detached ADU has been fully remodeled with a fresh, modern aesthetic and quality finishes, creating a private and versatile second dwelling. Perfect for extended household living, guests, a home office, or rental income, the ADU adds exceptional flexibility and value. Outside, enjoy an expansive backyard with room for gardens, entertaining, play space, or a private retreat. Ample parking adds convenience. With two beautifully updated dwellings and approximately 1,803 sq ft of combined permitted living space, this is a rare opportunity for turnkey living with the flexibility of a separate ADU in one of Santa Cruz's desirable neighborhoods.
Public Records
May 29, 2026
Sold
$530,000
$414/sq ft
Public Records
Oct 9, 1998
Sold
$318,000
$248/sq ft
MLSListings #ML89840248
Oct 29, 1998
Listing Removed
—
Oct 29, 1998
Sold
$317,900
$248/sq ft
Sep 10, 1998
Sold
$317,900
$248/sq ft
Aug 31, 1998
Listed
$329,900
$258/sq ft
Aug 31, 1998
Listed
$329,900
$258/sq ft
2 SEPARATE HOMES ON VERY LARE LOT. MAIN HOUSE HAS 2BR'S & 1 BA. GUEST HOUSE HAS 1BR & 1BA. CAN ONLY BE RENTED TO LOW INCOME. MAXIMUM RENT IS $737 NO RENTAL LIMIT ON MAIN HOUSE. MAIN HOUSE W/ BONUS RM, SKYLIGHT & FIREPLACE. BOTH
Public Records
Jul 6, 1976
Sold
$25,000
$20/sq ft
Public Records
Sep 24, 1974
Sold
$19,500
$15/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$5,968 (+8.1%)
$313,550 + $184,834
$498,384
2024
$5,519 (+1.3%)
$307,402 + $181,210
$488,612
2023
$5,450 (+1.2%)
$307,402 + $181,210
$488,612
2022
$5,387 (+2.2%)
$301,374 + $177,657
$479,031
2021
$5,274 (+0.8%)
$295,465 + $174,173
$469,638
2020
$5,232 (+2.1%)
$289,671 + $170,758
$460,429
2019
$5,126 (+1.2%)
$286,701 + $169,007
$455,708
2018
$5,066 (+1.3%)
$281,080 + $165,693
$446,773
2017
$5,000 (+5.9%)
$270,165 + $159,259
$429,424
2016
$4,723 (+3.1%)
$270,165 + $159,259
$429,424
2015
$4,581 (+1.7%)
$264,868 + $156,136
$421,004
2014
$4,503 (−0.4%)
$255,779 + $150,778
$406,557
2013
$4,520 (+1.5%)
$255,779 + $150,778
$406,557
2012
$4,454 (+2.1%)
$254,623 + $150,097
$404,720
2011
$4,360 (+1.5%)
$249,630 + $147,154
$396,784
2010
$4,297 (−1.5%)
$244,735 + $144,269
$389,004
2009
$4,360 (+5.9%)
$242,906 + $143,191
$386,097
2008
$4,118
$243,483 + $143,531
$387,014
Public record
Public record
Zoning
Permits
Beds
4
Baths
3
Stories
—
Lot width
—
Lot depth
—
Lot size
10,803 Sq. Ft.
Year renovated
1950
Finished Sq. Ft.
1,695
Unfinished Sq. Ft.
—
Total Sq. Ft.
1,695
Year built
1950
Style
Multi-Family (2-4 Unit)
County
Santa Cruz County
APN
00928450
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Jul 10, 2026.
R-1-5
Single-Family Residence District
To stabilize and protect the residential characteristics of the district, and to promote and encourage a suitable environment for family life and single persons; and intended for single-family detached dwellings and the services appurtenant thereto. This section of the Zoning Ordinance is also part of the Local Coastal Implementation Plan.
Permitted uses
Include but are not limited to:
Garden center
Day care facility
Housing-Group
Housing-Single unit
Housing-Other
Apr 2, 2022 • Final
Bldg residential
Reroof a residential building, replace horizontal siding, and install new windows and doors.
ADU
Plumbing
Remodel
Roofing
Nov 19, 2019 • Final
Bldg residential
Reroof a residential building, replace horizontal siding, and install new windows and doors.
Electrical
Remodel
Roofing
Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
6/10 Fire Factor
8% chance of being in a wildfire in next 30 years
3/10 Heat Factor
7 days above 86° expected this year, 15 days in 30 years
1/10 Wind Factor
Minimal risk of severe winds over next 30 years
7/10 Air Factor
13 unhealthy days expected this year, 14 days in 30 years
Provided by First Street
Historical weather
Santa Cruz, CA • 95062
Average low and high temperatures (°F)
63
43
64
45
69
48
68
49
72
52
73
55
72
56
77
57
76
57
73
53
65
47
63
46
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
93/ 100
Exceptional sunlight
Sunscore
This home ranks in the top 13% for direct sun exposure in the zip code. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
9.4 hrs
6.2 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 414 Roxas St
$1,200,797
$2,797 over list price of $1.20M
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $880K to $1.1M.