Active
2,532 sqft$590/sqft
105 Stephen Rd, Aptos, CA 95003
Est: $8,245/moGet pre-approved
Multi FamilyProperty Type
1,830 sq ftLot Size
1932Year Built
$590/sq ftPrice per sq ft

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 Agent

  1. Mario Desantis

    Mario Desantis

    Listing Agent

    Coldwell Banker Realty

    DRE #02119587

    P: (831) 291-0511

51 days on Market
Last updated: 09/09/2026 11:36 AM • Source: MLSListings, MLS#: ML82053454

Open Houses

Saturday, Sep 12th12:00 PM - 3:00 PM

Location

Listing Courtesy of Coldwell Banker Realty, Mario Desantis, DRE #02119587; Lawrie & Lawrie Properties, Liliane Molda, DRE #01361410
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$8,245 per month

30 year fixed, 6.71% Interest

Principal and Interest

$7,725

Property Taxes

$519

HOA Dues

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Property Information for 105 Stephen Road

Property Details
  • Taxes: $6,232 / year
  • MLS Type: RESIDENTIAL INCOME / Fourplex
  • MLS City Name: APTOS
  • Building Type: FOURPLEX
  • Garage Spaces: 0
  • Parking Spaces: 0
Building Information
  • Stories: 2
  • Residences: 4
  • Year Built: 1932
  • Lot Size: 0.04 AC / 1,830 SF
Features
Features
  • Fireplace: No
  • Living SqFt: 2532
  • Pool: No
  • Security Features: Other
  • Special Features: Other
Utilities
  • Cooling: Other
  • Heating: Other
  • Meters: Separate Common Area, Separate Electric, Separate Gas, Separate Other, Separate Water
  • Sewer Septic: Sewer - Public
  • Utilities: Public Utilities
  • Water: Public
Carport and Parking
  • Carport Min: 0
Garage
  • Garage and Parking: On Street
Property Details
Homeowners Association
  • HOA Exists: 0
  • HOA Fee: $0
Property Details
  • Area Text: Rio Del Mar/Seascape
  • Roof: Wood Shakes / Shingles
  • Subclass: Fourplex
  • 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
  • Number of Buildings: 1
  • 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
Multi Family Information
Building Information
  • No Of Leased: 2
General Information
  • Annual Tax Amount: $6,232
  • Building Unit Total: 4
  • Capitalization Rate: 4.53
  • Tenant Expenses: Other
  • Income Includes: Rents
  • Vacancy Factor: 0
Income / Expense Details
  • Expense Insurance: $349
  • Expense Landscape: $0
  • Expense Maintenance: $200
  • Expense Management: $12,000
  • Expense Trash: $0
  • Expenses Other: $0
  • Expenses Utility: $2,729
  • Expenses Total: $21,510
  • Operating Expenses Include: Services - Trash Removal, Utilities
  • Gross Rent Multiplier: 16.74
  • Income Annual Gross: $89,299
  • Income Annual Rental: $89,299
  • Income Gross Scheduled: $89,299
  • Income Other: $0
Unit 1 Information
  • Unit 1 Full Bathrooms: 1
  • Unit 1 Number of Bedrooms: 1
Unit 2 Information
  • Unit 2 Full Bathrooms: 1
  • Unit 2 Number of Bedrooms: 1
Unit 3 Information
  • Unit 3 Full Bathrooms: 1
  • Unit 3 Number of Bedrooms: 1
Unit 4 Information
  • Unit 4 Full Bathrooms: 1
  • Unit 4 Number of Bedrooms: 1

Property History for 105 Stephen Road

DateEvent & SourcePriceAppreciation
Sep 10, 2026

Temporarily Off Market

EBRD #ML82055373

Sep 10, 2026

Temporarily Off Market

MLSListings #ML82055373

$1,595,000
Sep 9, 2026

Price Change

EBRD #ML82053454

$1,495,000
DateEvent & SourcePrice
09/10/2026

Temporarily Off Market

EBRD #ML82055373

09/10/2026

Temporarily Off Market

MLSListings #ML82055373

$1,595,000
09/09/2026

Price Change

EBRD #ML82053454

$1,495,000

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.

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105 Stephen Road is a multi-family home for sale in Aptos, CA 95003. This property was listed for sale on July 21, 2026 by Coldwell Banker Realty, it's currently listed at $1,495,000. 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 0-bed, 0-bath, 2,532 sqft multi-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 Realty, Mario Desantis, DRE #02119587; Lawrie & Lawrie Properties, Liliane Molda, DRE #01361410

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.