OPEN SAT, 11AM TO 1PM

For sale

$1,050,000

Est. $6,391/mo —

•

2,092

sq ft

637-639 Riverside Ave, Santa Cruz, CA 95060

About this home

Whether you are a first time home buyer, or an investor looking to add value to your portfolio, here is a rare opportunity to own a proven income producing property, just blocks from the heart of downtown Santa Cruz. This well maintained duplex sits on a corner lot within easy walking distance of downtown shops, restaurants, and local businesses. Features include a detached two car garage, dual pane windows, a new sewer lateral system, and mature fruit trees that add a touch of oldschool charm. With a long history as a successful rental property, this is the kind of investment that stands the test of time. A solid opportunity to own income-producing real estate in Santa Cruz, where a strong rental market and close-in location continue to make this a smart addition to any portfolio.

Multi-familyProperty Type

1954Year Built

6,534 sq ftLot Size

$502Price/Sq.Ft.

2 car garageParking

Listed by The Portola The Portola Group •DRE #70010159 • KW Thrive Santa Cruz

Listing updated: Oct 27, 2026 at 10:00am

Redfin checked: a minute ago

•Source:MLSListings #ML82065788

Payment calculator

$6,391 per month

Principal and interest$5,802

Property taxes

$388

HOA dues

Home insurance

$201

Utilities

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Open houses

Saturday, Oct 31

11:00am - 1:00pm

Nearby open houses (10)

OPEN TODAY, 2PM TO 5PM3D & VIDEO TOUR
$1,100,000
2 beds2 baths1,704 sq ft
7720 Highway 9, Ben Lomond, CA 95005
7,492 sq ft lot • Garage • Built 2019
OPEN THU, 9:30AM TO 12PM3D & VIDEO TOUR
$2,199,000
5 beds3.5 baths3,010 sq ft
222 1/2 San Augustine Way, Scotts Valley, CA 95066
0.23 acre lot • 2 garage spots • Built 2014
OPEN THU, 9:30AM TO 12PM
$1,299,000
3 beds2.5 baths1,992 sq ft
413 Western Dr #13, Santa Cruz, CA 95060
$517 HOA • 2 garage spots • Built 1981
OPEN THU, 12:30PM TO 3PM
$3,950,000
6 beds5 baths4,730 sq ft
7431 Mesa Dr Unit A - B, Aptos, CA 95003
0.5 acre lot • 4 garage spots • Built 2026
OPEN THU, 3PM TO 6PMVIDEO TOUR
$839,000
2 beds1.5 baths1,026 sq ft
416 Sailfish Dr, Aptos, CA 95003
$303 HOA • 2 garage spots • Built 1984
OPEN FRI, 12PM TO 3PM
$1,099,000
2 beds2 baths1,263 sq ft
121 Aptos Village Way #4, Aptos, CA 95003
$438 HOA • Garage • Built 2025
OPEN SAT, 12PM TO 3PM
$1,525,000
3 beds2 baths1,312 sq ft
145 Wesley St, Capitola, CA 95010
6,447 sq ft lot • 2 garage spots • Built 1963
OPEN SAT, 2PM TO 4PM3D WALKTHROUGH
$1,368,888
4 beds3 baths1,762 sq ft
1725 30th Ave, Santa Cruz, CA 95062
4,617 sq ft lot • Garage • Built 1953
OPEN SUN, 1PM TO 4PM3D WALKTHROUGH
$1,295,000
2 beds1 bath847 sq ft
400 Pine St, Capitola, CA 95010
3,136 sq ft lot • Garage • Built 1963
OPEN SUN, 1PM TO 4PM
$1,295,000
3 beds2 baths1,432 sq ft
260 Rio Del Mar Blvd #6, Aptos, CA 95003
$948 HOA • 3 garage spots • Community pool

Around this home

Schools

K - 12
Preschool & daycare

Gault Elementary School

Public K-5 • Assigned • 0.8mi

5/10

Branciforte Middle School

Public 6-8 • Assigned • 1.1mi

9/10

Provided by GreatSchools

About Lower

Ocean

Lower Ocean, located between the San Lorenzo River and Seabright, is a coastal and residential Santa Cruz neighborhood with a walkable street grid and a beach-adjacent feel. The neighborhood’s character concentrates around Ocean Street and Soquel Avenue, where taquerias, corner markets, and long-running local storefronts set a steady, lived-in rhythm. Classic beach cottages and early-20th-century bungalows mix with small apartment buildings along leafy side streets. The San Lorenzo Riverwalk and nearby harbor paths shape daily routes on foot or bike. The Santa Cruz Beach Boardwalk, the Santa Cruz Museum of Natural History, and the Santa Cruz Harbor serve as cultural anchors close by. Between river, beach, and downtown edges, the atmosphere reads practical, coastal, and connected.

Provided by Walk Score and Local Logic

Offer insights

637-639 Riverside Ave · $1,050,000

Strong offer

$1.19M and above

75% chance or better to win

Why $1.19M+ is a strong offer

DAYS ON MARKET

The average home goes pending in 12 days.

SALE-TO-LIST

Most homes are selling 8% above list price.

About offer insights

Property details

Interior
Exterior
Finance

Kitchen

Bathroom

Bedroom

Living

Interior features
Tile countertops

Bedrooms
Four bedrooms total, two in each unit

Bathrooms
Two full bathrooms total, one in each unit

Kitchen
Oven/range in all units
Refrigerator in some units

Laundry & utility
Washer/dryer in some units

Flooring
Hardwood
Tile

Heating & cooling
Central forced-air gas heating

Sale and tax history for 637-639 Riverside Ave

Sale History
Tax History

Date

Event

Price

MLSListings #ML82065788

Oct 26, 2026

Listed

$1,050,000

$502/sq ft

+46

Public Records

Jul 30, 1998

Sold

$210,000

$100/sq ft

Public Records

Dec 22, 1988

Sold

$195,000

$93/sq ft

Public Records

Jun 6, 1963

Sold

$54,863

$26/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$4,515 (+7.8%)

$188,128 + $141,096

$329,224

2024

$4,187 (+1.1%)

$184,438 + $138,328

$322,766

2023

$4,142 (+1.0%)

$184,438 + $138,328

$322,766

2022

$4,101 (+1.9%)

$180,822 + $135,616

$316,438

2021

$4,027 (+0.7%)

$177,276 + $132,958

$310,234

2020

$3,999 (+2.2%)

$173,800 + $130,350

$304,150

2019

$3,911 (+1.0%)

$172,018 + $129,014

$301,032

2018

$3,873 (+1.1%)

$168,646 + $126,484

$295,130

2017

$3,829 (+5.1%)

$162,098 + $121,572

$283,670

2016

$3,644 (+5.7%)

$162,098 + $121,572

$283,670

2015

$3,446 (+1.5%)

$158,920 + $119,188

$278,108

2014

$3,394 (−0.4%)

$153,466 + $115,098

$268,564

2013

$3,406 (+2.0%)

$153,466 + $115,098

$268,564

2012

$3,338 (+1.9%)

$152,772 + $114,578

$267,350

2011

$3,276 (+1.3%)

$149,775 + $112,332

$262,107

2010

$3,234 (−1.3%)

$146,838 + $110,129

$256,967

2009

$3,277 (+6.2%)

$145,741 + $109,306

$255,047

2008

$3,084

$146,087 + $109,566

$255,653

Public record

Public record
Zoning

Beds

Baths

Stories

—

Lot width

—

Lot depth

—

Lot size

6,534 Sq. Ft.

Year renovated

1954

Finished Sq. Ft.

—

Unfinished Sq. Ft.

—

Total Sq. Ft.

—

Year built

1954

Style

Multi-Family (2-4 Unit)

County

Santa Cruz County

APN

00742201

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Oct 15, 2026.

FP-O

SP-O

Multiple Residence – Medium-Density District

To promote the development of multifamily townhouses, condominiums and apartments at a medium residential density of 20.1 to 40 units per acre depending on unit mix; to stabilize and protect the residential characteristics of the district; and to promote a suitable environment for the lives of families and single persons. This section of the Zoning Ordinance is also part of the Local Coastal Implementation Plan.

Zone overlays

Floodplain Overlay District
Shoreline Protection Overlay District

Permitted uses

Include but are not limited to:

Day care facility
Housing-Group
Housing-Multiple units
Housing-Other

Climate risks

5/10 Flood Factor

Estimated 19-29% chance of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

3/10 Heat Factor

7 days above 81° 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 • 95060

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

90/ 100

Exceptional sunlight

Sunscore

This home ranks in the top 22% for direct sun exposure in Santa Cruz. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

9.9 hrs

5.4 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 637-639 Riverside Ave

We cannot show automated home-value estimates for this home.

Nearby homes have recently sold between $1,026,000 and $3,300,000.

Nearby comparable homes

The Redfin Estimate uses 5 recent nearby sales, priced between $1.0M to $3.3M.

SOLD AUG 18, 2026
$1,087,500 Last sold price
2 beds1.5 baths1,488 sq ft
212 Roosevelt Ter, Santa Cruz, CA 95060
$229/sq ft
smaller lot
41 years newer
SOLD SEP 4, 2026
$1,115,000 Last sold price
4 beds2 baths1,561 sq ft
280 San Lorenzo Blvd, Santa Cruz, CA 95060
$212/sq ft
smaller lot
4 years older
SOLD JUN 22, 2026
$1,500,000 Last sold price
4 beds3.5 baths1,920 sq ft
125 Mountain View Ave, Santa Cruz, CA 95062
$279/sq ft
smaller lot
18 years newer
SOLD JUN 2, 2026
$3,300,000 Last sold price
3 beds4 baths2,004 sq ft
244 Ocean View Ave, Santa Cruz, CA 95062
$1145/sq ft
61 years newer
SOLD AUG 18, 2026
$1,026,000 Last sold price
3 beds2 baths1,223 sq ft
619 Windham St, Santa Cruz, CA 95062
$337/sq ft
smaller lot
5 years newer

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New listings for sale in 95060

OPEN THU, 9:30AM TO 12PM

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OPEN SAT, 11AM TO 1PM

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637-639 Riverside Ave, Santa Cruz, CA 95060

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VIDEO TOUR

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Details provided by MLSListings and may not match the public record. Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Payment calculator

Affordability tools

See this home in person

Nearby open houses (10)

Around this home

Schools

Offer insights

Property details

Sale and tax history for 637-639 Riverside Ave

Public record

Climate risks

Historical weather

Sun exposure

Redfin Estimate for 637-639 Riverside Ave

Early Access listings

Nearby similar homes

New listings for sale in 95060

More real estate resources