105 Stephen Rd, Aptos, CA 95003
Property image
Property image
FOR SALE

$1,595,000

Original price: $1,645,000
  • 4 Beds
  • 4 Baths
  • 2,532 sqft

105 Stephen Rd, Aptos, CA 95003

Est. Mortgage $9,703/mo*
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Home Highlights

Multi-Family
Built in 1932
$630/sqft
Carport

Local Information

  • Map ViewExplore the area around 105 Stephen Rd.
  • Schools1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

Timeless Spanish Charm in the Heart of Rio del Mar Beach.

A rare opportunity to own one of the original Spanish-style fourplexes in sought-after Rio del Mar Beach. Built in 1932, this property reflects the architectural heritage of California's coastal communities while offering the stability of an exceptional investment. Situated on a single parcel moments from the sand, the fourplex features four one-bedroom, one-bath units a desirable mix that attracts tenants and strong rental demand in one of Santa Cruz's most coveted beachside neighborhoods. Units are separately metered. Recent improvements include a remodeled kitchen in Unit 1 and new paint and flooring in Unit 4. Residents enjoy an effortless coastal lifestyle steps from the beach, with Cabrillo College minutes away, Nisene Marks nearby for hiking and biking, and the shops and charm of Aptos Village close at hand. With multifamily development extremely limited and coastal properties increasingly hard to acquire, opportunities like this are rare historic architecture, a prime location, and lasting appreciation in one legacy asset. Ideal for expanding a portfolio, completing a 1031 exchange, or securing a trophy coastal asset this iconic fourplex is a true opportunity to own a piece of Santa Cruz County history.
Last check for updates: about 7 hours ago
Listing courtesy of Mario Desantis 02119587, (831) 291-0511
Coldwell Banker Realty, (831) 469-8000
Liliane Molda 01361410, (831) 212-1991
Lawrie & Lawrie Properties, (831) 462-4002
Source: MLSListings Inc, MLS#ML82053454
Also Listed on bridgeMLS/CCAR/Bay East AOR, MLSListings Inc.

Home Details for 105 Stephen Rd

Interior Features

Beds & Baths
Number of Bedrooms: 4Number of Bathrooms: 4
Dimensions and Layout
Living Area: 2532 Square Feet
Appliances & Utilities
Utilities: Public Utilities, Water Public
Heating & Cooling
Heating: OtherHas CoolingAir Conditioning: Other
Gas & Electric
Gas: PublicUtilities
Windows, Doors, Floors & Walls
Door: Other
Levels, Entrance, & Accessibility
Stories: 2Accessibility: Other

Exterior Features

Exterior Home Features
Roof: WoodFoundation: Concrete Perimeter and Slab
Parking & Garage
Has a CarportNo GarageParking: On Street
Water & Sewer
Sewer: Public Sewer
Farm & Range
Not Allowed to Raise Horses

Days on Market

Days on Market: 45

Property Information

Year Built
Year Built: 1932
Property Type / Style
Property Type: Residential IncomeProperty Subtype: Quadruplex, Residential Income
Property Information
Included in Sale: OvenRangeAllUnitsParcel Number: 04214122000

Price & Status

Price
List Price: $1,595,000Price Per Sqft: $630

Active Status

MLS Status: Active

Location

Direction & Address
City: Aptos
School Information
High School District: SantaCruzCityHighWalk Score: 48

Agent Information

Listing Agent
Listing ID: ML82053454

Building

Building Area
Building Area: 2532

Lot Information

Lot Area: 1830 sqft

Listing Info

Special Conditions: Standard

Offer

Listing Agreement Type: ExclusiveAgency

Miscellaneous

Mls Number: ML82053454

Around this home

What Locals Say about Aptos

At least 115 Trulia users voted on each feature.

  • 93 % Say it's dog friendly

  • 91 % Say car is needed

  • 87 % Say there's wildlife

  • 83 % Say parking is easy

  • 76 % Say yards are well-kept

  • 74 % Say it's quiet

  • 74 % Say there's holiday spirit

  • 73 % Say people would walk alone at night

  • 68 % Say neighbors are friendly

  • 65 % Say kids play outside

  • 59 % Say it's walkable to restaurants

  • 58 % Say it's walkable to grocery stores

  • 54 % Say they plan to stay for at least 5 years

  • 45 % Say there are community events

  • 44 % Say there are sidewalks

  • 26 % Say streets are well-lit

Sourced by Trulia users. Learn more about our methodology.
  • Casey Meyer
    "The Aptos neighborhood is unique for its blend of redwood forests, coastal access, and small-town feel, with local farms, beaches, and a relaxed, outdoors-focused lifestyle all within a tight-knit community"
    0
    Flag
  • SeascapeCruzen
    "Lots of great local events at seascape village and the resort. Kids that attend the elementary school go to many events such as movie night and fairs. Summer time we have live music at the resort every Sunday. "
    0
    Flag
  • Stephanie Morway
    "Close to beaches and Capitol Village. A beautiful redwood forest state park called Niceness Marks. "
    0
    Flag
  • Casey Meyer
    "Aptos is nice. Very quiet and peaceful. Very safe. Nice natural grocery stores near by. A couple of nice restaurants. Weather during the rainy season can lead to extended power outages and road closures luckily that is only a few times a year. "
    3
    Flag
  • Jack M.
    "I use the Highway which is close to my neighborhood. Outside of that, the county bus system is the only public transit. The commute traffic is bad. Aptos is bikeable around the highway but there are many tight roads and can be hilly. "
    0
    Flag
  • Dianaangels
    "We feel safe to live here neighboor and community is very well behave and very nice my kids is very safe here too"
    1
    Flag
  • Marymerrill110
    "There is a dog beach here called beer can beach and the dogs run wild and free ! I meet so many nice neighbors there too."
    6
    Flag
  • Sspires
    "Yes. People are always walking their dogs around town. Dog owners obey leash laws for the most part and pick up after their animals. There are lots of beaches, parks and trails for dogs to explore. "
    1
    Flag
  • Dianaangels
    "Everyones working together for the security and peaceful of our neighborhood... very safe and near the ocean"
    0
    Flag
  • Brenda R.
    "Very dog friendly, lots of neighbors walk their dogs morning, daytime and night. Friendly neighbors too"
    0
    Flag
  • Dianaangels
    "They like walking their dog in our neighborhood because they feel safe, the prices of the house here is so expensive maybe thats why people is moving to other city"
    4
    Flag
  • Mirandas_mail
    "The area is beautiful and prolific for plants. Neighbors are friendly, there’s easy access to Monterey, Carmel and Big Sur. Nearby development has been blossoming with new businesses opening. Quick access to the beach and close proximity to Niscene Marks make this the perfect combo of ocean meets forest. "
    0
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  • Jason95052
    "No homeless people out robbing and breaking into cars like in santa cruz. Aptos is a shield from them and thats why i moved here. Sherifs actually respond to illegal activity vs the sc police having you fill out an online form and nothing ever happens..."
    0
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  • C M.
    "Close to beach, quiet neighborhood. Very good schools. No HOAs. Good mix of families and retirees. Mostly single-family homes, some townhomes."
    0
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  • AnnMarie A.
    "I have lived in Aptos for about 3 years. It a quiet place with some little gems restaurants and bars. The beaches are nice and a great walk."
    0
    Flag
  • Jweiss1062
    "grew up in this area and it is real America. Love it. Local businesses and market aregreat. Traffic can be bothersom. nice hiking and walking areas."
    1
    Flag
  • Fourkidss
    "Quiet low crime area. Occasional transients otherwise good people in the neighborhood. Great school district."
    2
    Flag
  • Lupita R.
    "I love this place! It’s really nice and makes me feel like home! I have friends here and they love living in Aptos! "
    0
    Flag
  • Seanpmahoney14
    "Long term owners. Quiet and quaint. Walk to beach, walk to restaurants. Easy access to freeway but no so close you hear any traffic. Very quiet. "
    1
    Flag
  • Cegerrish
    "I have lived in this neighborhood above the beach for 40 years. We have beach going tourists, but generally no problems. People are friendly. Mostly a neighborhood of vacation homes."
    0
    Flag
  • Thomas M.
    "I have lived in this neighborhood 15 years and it’s been great. The large pine trees that still remain in Rio Del Mar are because of Mr Spreckels and that this land was his private hunting ground. He preserved the land as best as he could for future generations."
    0
    Flag

Market trends in Aptos

Last updated July 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$1.3M
$58.33KMoM
Sale-to-List Price
98.5%
0.2%MoM
Price per sq ft
$805
$5MoM
Available listings
124
7MoM

Home Value

Trulia Estimate
$1.55M
Since last month
Decreased$82K (-5%)
Since last year
Decreased$82K (-5%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value decreased by -5% in the last 10 years
MonthEstimated value
2026
September 2026$1.55M
August 2026$1.55M
July 2026$1.64M

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
2545 Mar Vista Dr, Aptos, CA
1.00
Multi-Family Home
$950,000
07/06/26
4
4
2,400
404 Monterey Ave, Capitola, CA
2.46
Multi-Family Home
$1,550,000
04/20/26
4
2
2,370
208 Stockton Ave, Capitola, CA
2.56
Multi-Family Home
$2,100,000
11/05/25
4
2
1,666
522 Oak Dr, Capitola, CA
2.72
Multi-Family Home
$1,565,000
12/12/25
4
3
2,000
1790 48th Ave, Capitola, CA
2.87
Multi-Family Home
$1,825,000
03/25/26
9
4
3,223
Stockton Ave, Capitola, CA
2.82
Multi-Family Home
$1,800,000
02/27/26
1
5
3,345
4870 Topaz St, Capitola, CA
2.84
Multi-Family Home
$1,501,000
10/27/25
4
2
1,146

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
111 Stephen Rd, Aptos, CA 95003
0.02
$1,457,200
4
2
1,489
Off Market
107 Bennett Rd, Aptos, CA 95003
0.07
$842,200
2
1
983
Off Market
106 Winfield Way, Aptos, CA 95003
0.08
$1,250,000
4
2
1,486
Recently Sold
124 Winfield Way, Aptos, CA 95003
0.09
$970,000
2
1
1,001
Recently Sold
120 Stephen Rd, Aptos, CA 95003
0.04
$1,023,900
3
2
1,368
Off Market
124 Stephen Rd, Aptos, CA 95003
0.06
$1,106,600
3
2
1,274
Off Market
146 Creek Dr, Aptos, CA 95003
0.06
$1,862,500
3
3
1,500
Off Market
117 Marina Ave, Aptos, CA 95003
0.05
$885,000
2
1
836
Recently Sold
204 Aptos Beach Dr, Aptos, CA 95003
0.08
$1,199,995
3
2
1,204
For Sale
130 Hainline Rd, Aptos, CA 95003
0.08
$975,000
2
1
781
Recently Sold
130 Bennett Rd, Aptos, CA 95003
0.09
$1,399,000
4
2
1,644
For Sale

Price and Tax history

DateEventPrice
Aug 12, 2026
Source: MLSListings Inc #ML82053454
PriceChange
$1,595,000
Price decreased by 3%
Jul 29, 2026
Source: MLSListings Inc #ML82053454
PriceChange
$1,645,000
Price decreased by 6%
Jul 21, 2026
Source: MLSListings Inc #ML82053454
Listed For Sale
$1,745,000

LGBTQ Local Legal Protections

Mario Desantis, Coldwell Banker Realty, (831) 469-8000
Agent Phone: (831) 291-0511
Based on information from the MLSListings MLS as of 2026-09-04 15:16:33 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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Frequently asked questions about 105 Stephen Rd

  • What is the estimated monthly payment for 105 Stephen Rd?
    Based on a $1,595,000 list price with 20% down at today's rates, the estimated monthly payment for 105 Stephen Rd in Aptos, CA is approximately $9,873 (about $8,336 principal & interest, $1,462 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • How does the list price for 105 Stephen Rd compare to homes in Aptos?
    105 Stephen Rd in Aptos, CA is listed at $1,595,000, about 23% above the $1.3M median sale price in Aptos.
  • What do residents say about Aptos?
    Residents describe Aptos, CA as dog-friendly, easy to park in, and well-kept. Most residents say you need a car. See homes for sale in Aptos, CA.
  • What are the closest schools to 105 Stephen Rd?
    The closest schools to 105 Stephen Rd in Aptos, CA are Aptos High School (rated 8/10), Aptos Junior High School (rated 5/10), Mar Vista Elementary School (rated 6/10).
  • Does 105 Stephen Rd have air conditioning?
    Yes, 105 Stephen Rd in Aptos, CA has air conditioning.
  • Does 105 Stephen Rd have parking?
    Yes, 105 Stephen Rd in Aptos, CA has on-site parking.
105 Stephen Rd, Aptos, CA 95003 is a 4 bedroom, 4 bathroom, 2,532 sqft multi-family built in 1932. This property is currently available for sale and was listed by MLSListings Inc on Jul 21, 2026. The MLS # for this home is MLS# ML82053454.