4 beds2,532 sqft$650/sqft
105 Stephen Rd, Aptos, CA 95003
Est: $8,735/moGet pre-approved

Description

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...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.
LISTING UPDATED: 08/12/2026 02:22 PM

Listing Agent

  1. Mario Desantis

    Mario Desantis

    Listing Agent

    Coldwell Banker Real Estate LLC

    DRE #02119587

    P: (831) 291-0511

Property Details for 105 Stephen Road

Status
MLS #
ML82055373
Days on Compass
23
Taxes
-
HOA Fees
-
Condo/Co-op Fees
-
Property Type
MLS Type
Single-Family Homes / Other Residential
Year Built
1932
Lot Size
0.04 AC / 1,830 SF
MLS City Name
APTOS
Building Type
Detached
Garage Spaces
0
Parking Spaces
0
Cross Street
Aptos Beach Dr

Location

Listing Courtesy of Coldwell Banker Real Estate LLC, Mario Desantis, DRE #02119587
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Building Information for 105 Stephen Road

Stories2Year Built1932Building Size-Lot Size0.04 AC / 1,830 SF

Payment Calculator

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OriginPoint Mortgage or Rocket Mortgage1

$8,735 per month

30 year fixed, 6.55% Interest

Principal and Interest

$8,361

Property Taxes

$374

HOA Dues

$0

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Property Information for 105 Stephen Road

Features
Room Information
  • Dining Room: No Formal Dining Room
  • Family Room: Kitchen / Family Room Combo
  • Number of Full Bathrooms: 4
Features
  • Fireplace: Yes
  • Fireplaces: Other
  • Living SqFt: 2532
  • Pool: No
  • Security Features: Other
  • Special Features: Other
Utilities
  • Cooling: Other
  • Heating: Other
  • Sewer Septic: Sewer - Public
  • Utilities: Public Utilities
  • Water: Public
Carport and Parking
  • Carport Min: 0
Garage
  • Garage and Parking: On Street
  • Garage Max: 0
  • Garage Min: 0
Property Details
Homeowners Association
  • HOA Exists: 0
  • HOA Fee: $0
Property Details
  • Area Text: Rio Del Mar/Seascape
  • Roof: Wood Shakes / Shingles
  • Stories: Two Story
  • Subclass: Other Residential
  • Year Built Source: Assessor
  • Street Number: 105
  • Street Name: Stephen
  • Street Suffix: Road
  • Area ID: 48
Lot / Property Details
Building Information
  • Number Of Stories: 2
  • Structure SqFt: 2532
  • Structure SqFt Source: Assessor
  • Age: 94
Development Information
  • Ownership Type: Individual
  • Zoning Detail: RM-3
Location Information
  • Parcel Number: 042-141-22-000
  • County Name: Santa Cruz
  • City Name: APTOS
  • City Postal ID: 1
  • Postal Code: 95003
  • Elementary School District: 840
  • High School District Text: Santa Cruz City High
Lot Information
  • Foundation: Concrete Perimeter and Slab
  • Horse Property: No
  • Lot Size Area Maximum Units: Square Feet
  • Lot Size Area Minimum Units: Square Feet
  • Lot Size Source: Assessor

Property History for 105 Stephen Road

DateEvent & SourcePriceAppreciation
Aug 12, 2026

Price Change

EBRD #ML82053454

$1,595,000
Aug 12, 2026

Price Change

MLSListings #ML82053454

$1,595,000
Jul 29, 2026

Withdrawn

MLSListings #ML82052550

$1,695,000
DateEvent & SourcePrice
08/12/2026

Price Change

EBRD #ML82053454

$1,595,000
08/12/2026

Price Change

MLSListings #ML82053454

$1,595,000
07/29/2026

Withdrawn

MLSListings #ML82052550

$1,695,000

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 105 Stephen Road

Taxable ValueLand$40,200Additions$74,761Total$114,961
Tax Record2018$4,491 ($374 / month)
Home Facts
Beds4Total Finished SqFt2,532 SqFtAbove Grade Finished SqFt2,532 SqFtLot Size1,830 SqFtStyleQuadraplexYear Built1932Year Renovated1932ZoningRM-3CountySANTA CRUZAPN04214122000

Schools near 105 Stephen Road

This home is within Pajaro Valley Unified School District.
Rating
School
Type
Grades
Distance
Public - K to 6
Public - 7 to 8
Public - 9 to 12
Public - 9 to 12
Rating
School
Distance
Mar Vista Elementary School
PublicK to 6

Aptos Junior High School
Public7 to 8

Aptos High School
Public9 to 12

Renaissance High Continuation School
Public9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

Similar Homes

105 Stephen Road is a single family home for sale in Aptos, CA 95003. This property was listed for sale on July 24, 2026 by Coldwell Banker Real Estate LLC, it's currently listed at $1,645,000. This listing's school district is Pajaro Valley Unified School District. Nearby schools include Mar Vista Elementary School, Aptos Junior High School and Aptos High School. 105 Stephen Road is a 4-bed, 4-bath, 2,532 sqft single family home built in 1932.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of Coldwell Banker Real Estate LLC, Mario Desantis, DRE #02119587

Based on information from one of the following Multiple Listing Services: San Francisco Association of Realtors, the MLSListings MLS, the BAREIS MLS, the EBRD MLS, Shasta Association of REALTORS® Information being provided is for the visitor’s personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by San Francisco Association of Realtors, the MLSListings MLS, the BAREIS MLS, the EBRD MLS, Shasta Association of REALTORS® is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.