Score
0Santa Cruz, CA
625 Graham Hill Rd
3.3M
3 beds
3 baths
4,374 sqft
3 bd • 3 ba • 4,374 sf
This analysis was generated on 2/21/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.
AI Property Analysis
0:000:00 / 0:00
List Price
$3,298,000
Price/Sq.Ft
$754
Year Built
1952
AI Property Analysis
A comprehensive evaluation of this property's features, market position, and investment potential.
The Good
• Prime location: The property's location offers unparalleled views of the city, the ocean, and the surrounding hills, making it highly desirable.
• Entertainer's dream: The property is designed for entertaining, with expansive living areas, a chef's kitchen, a bar, a wine room, and a pool house with a Tuscan-style patio, built-in BBQ, and pizza oven.
• Luxurious primary suite: The primary suite is a true retreat, boasting a generous bedroom, a spa-like bathroom, two walk-in closets, a private library with a fireplace, and a private deck.
• Convenient location: The property is conveniently located close to Santa Cruz and Highway 17, providing easy access to city amenities and transportation routes.
• High median income area: The median income in Santa Cruz is $93,839, indicating a relatively affluent area that may support high property values.
The Bad
• Limited property details: The listing lacks specific details about the property's features, such as lot size, square footage of the pool house, and types of appliances.
• No room dimensions: The absence of room dimensions makes it difficult to assess the size and layout of the living spaces.
• Unknown utility costs: Without information on utilities and systems, it's challenging to estimate monthly expenses for electricity, water, gas, and other services.
• Age of the property: Built in 1952, the house may require significant updates or repairs to meet modern standards and address potential issues related to aging infrastructure. The average age of homes sold in Santa Cruz is 45 years old.
• High price per square foot: At $754 per square foot, the property is priced higher than some other homes in Santa Cruz, but the view and amenities justify the price.
The Ugly
• Potential for high maintenance costs: Given the age of the property and the lack of information on utilities and systems, there is a risk of unexpected maintenance or repair costs. Properties of this age can have hidden issues that require immediate attention.
• High property taxes: California has high property taxes, and Santa Cruz is no exception. This can significantly increase the overall cost of ownership.
• Limited information on potential natural disaster risks: Santa Cruz is prone to earthquakes, wildfires, and flooding. The listing does not address these risks or provide information on mitigation measures.
• Potential for traffic and parking issues: Santa Cruz can experience significant traffic congestion, particularly during peak season and commute times. Parking can also be a challenge, especially downtown and near beaches.
• Competition in the market: Santa Cruz has a very competitive real estate market, with limited inventory and high prices. Buyers may need to act quickly and potentially make offers above asking price.
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Original
Who is this property for?
These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.
Best For
• Buyers seeking a private estate with ample space for entertaining: The property's layout, including the pool house with a Tuscan-style patio, built-in BBQ, and pizza oven, is ideal for hosting gatherings.
• Individuals desiring panoramic views and a luxurious primary suite: The property offers city, ocean, and hillside views, with a primary suite featuring a spa-like bathroom, walk-in closets, a private library, and a private deck.
• Professionals who value a convenient location close to both Santa Cruz and Highway 17: The location provides easy access to city amenities and transportation routes for commuting or travel.
• Buyers able to afford the estimated monthly costs: Individuals who have the financial flexibility to manage the mortgage, property taxes, and insurance costs associated with a high-end property in Santa Cruz, CA.
Not For
• Buyers seeking a low-maintenance property: Given the size of the estate and the presence of a pool and extensive outdoor entertaining areas, upkeep and maintenance could be significant.
• Individuals looking for a modern, updated home: While the property has many desirable features, the description does not explicitly mention recent renovations. Buyers seeking a fully updated home might need to factor in potential remodeling costs.
• Buyers on a strict budget: The high price tag and property taxes in Santa Cruz make this property unsuitable for those with limited financial resources.
• Families requiring a specific number of bedrooms: With only three bedrooms, this property might not be ideal for larger families needing more sleeping accommodations.
Demographics
Area Median Income
$93,839
Property History
Price History
Ownership Timeline
$1,775,000Cash Purchase
Oct 26, 2012Kellie Courneen, Kellie A FinnDouglas J Cameron, Veronica J Cameron
Grant Deed
Non-Residential Arm's Length Transactions
$0Cash Purchase
Apr 5, 2012Christopher Finn, Kellie A FinnKellie Courneen, Kellie A Finn
Intrafamily Transfer
Non-Arm's Length Transactions
$0Cash Purchase
May 24, 2010Christopher Finn, Kellie FinnChristopher Finn, Kellie A Finn
Intrafamily Transfer
Non-Arm's Length Transactions
$0Cash Purchase
Jun 21, 2007Christopher Finn, Kellie A FinnChristopher Finn, Kellie Finn
Intrafamily Transfer
Non-Arm's Length Transactions
$1,954,000Financed
Sep 22, 2005Michael L Elward, Lori D ElwardChristopher Finn, Kellie A Finn
Grant Deed
Standard Sale (Purchase/Resales)
Sunlight Analysis
Visualize how sunlight affects this property throughout the day and year.
Sunlight Analysis
Sunlight data not available for this property
Risk Assessment
Risk Analysis
• High cost of ownership: Property taxes in California are high, and combined with a mortgage on a $3,298,000 property, insurance, and potential maintenance costs, the total cost of ownership will be substantial.
• Age of the property: Built in 1952, the property may require updates to meet modern standards or address potential issues related to aging infrastructure.
• Limited information on utilities and systems: The lack of detailed information on utilities and systems (e.g., HVAC, electrical, plumbing) makes it difficult to assess potential maintenance or upgrade costs.
• Market volatility: The Santa Cruz real estate market is highly competitive and can be subject to fluctuations. Changes in interest rates or economic conditions could impact property values.
• Natural disaster risks: Santa Cruz is prone to earthquakes, wildfires, and flooding. Buyers should ensure they have adequate insurance coverage and understand the risks associated with these natural hazards.
Cost & Affordability
Monthly Costs
Breakdown of estimated monthly expenses for this property
Monthly Payment
$0
* Estimated at 1% of home value annually. Actual costs may vary.
Not Included in Estimate
• Utilities (electricity, gas, water, internet)
• Home improvements and upgrades
• Landscaping and yard maintenance
• Pest control and home services
• Emergency repairs and replacements
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20.0% of purchase price
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$3,298 monthly
$83 monthly
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Financials
Monthly Costs
Market Rent (3 bed)
Get a detailed estimate on Zillow®$4,780
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Location & Comparables
Subject Property
Comparable Sales
Subject Property
Price
$3,298,000
Price/sqft
$754
Layout
3 bd•3 ba
Stats in the Area
Based on 2 comparable properties nearby
Average Price
$1,400,000
135.6%
Your price is 135.6% above average
Median Price
$2,350,000
40.3%
Based on 2 recent sales
Price per Sq.Ft
$559
34.9%
Your price is 34.9% above average $/sqft
Comparable Properties
| Address | Price | Sq.Ft | Beds | Baths | $/Sq.Ft | Sale Date |
|---|---|---|---|---|---|---|
| 624 Isbel Drive, Santa Cruz, CA 95060 | $2,350,000 | 4,201 | 4 | 4 | $55925.8% | 9/13/2024 |
| 609 May Avenue, Santa Cruz, CA 95060 | $450,000 | N/A | N/A | N/A | N/A | 1/10/2025 |
624 Isbel Drive, Santa Cruz, CA 95060
Price: $2,350,000
Sq.Ft: 4,201
Beds/Baths: 4/4
$/Sq.Ft:
$55925.8%
Sale Date: 9/13/2024
609 May Avenue, Santa Cruz, CA 95060
Price: $450,000
Sq.Ft: N/A
Beds/Baths: N/A/N/A
$/Sq.Ft: N/A
Sale Date: 1/10/2025
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