46 photos · MLS data verified October 4, 2026 · Updated every 15 min
$695,000Active
2 Beds·2 Baths·990 sqft·N/A sqft lot·Built 1974
120 Palo Verde TER, Santa Cruz, CA 95060
Listed 33 days ago · September 1, 2026 | MLS# ML82059343
$702/sqft -22% vs Santa Cruz avg
What this means: Priced below the Santa Cruz per-sqft average. Compare to recent sales below for context.
Est. $5,419/moP&I $3,606 · Tax $724 · Insurance $262 · HOA $827Assumes 20% down ($139,000) at 6.75% · Contact Timothy for a lender referralAegis Luxury Real Estate is a licensed California real estate brokerage (DRE# 01328224) and is not a mortgage lender, mortgage broker, or loan originator. The figures shown are estimates for general reference only and do not constitute a loan offer, pre-approval, pre-qualification, or commitment to lend. Estimates use the applicable county average property tax rate of 1.25% of home price annually. Actual rates, payments, taxes, and insurance vary by lender and borrower qualifications. Contact Timothy for a referral to one of our preferred lending partners.
Active listing in Santa Cruz, Santa Cruz County. Convenient access to schools, parks, and Bay Area employment centers.
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2 Bed / 2 Bath / 990 sqft on N/A sqft Lot
Spec sheet at a glance. See full details below for interior, exterior, and lot features.
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Listed at $695K vs City Average $1.7M
$702/sqft compared to Santa Cruz avg $900/sqft (-22.0%).
Best fit forActive BuyersSanta Cruz SearchersMove-Up / Move-In
About This Home
Upper Westside townhome well located at the base of UCSC. This 2 bedroom, 1 ½ bath home features updated kitchen, bathroom counters and cabinets, newer flooring, double pane windows, freshly painted interior, in-unit laundry, custom blinds and lighting. The large upstairs bedrooms have ample closet space and easy access to the full bathroom. The large living room has great flow to the private back patio. Assigned covered parking space and community pool are conveniently located close by. Westlake Elementary, University Terrace Park, Pogonip, Moore Creek Preserve and miles of world class hiking and mountain biking trails are nearby. Beaches, surfing and the Boardwalk are a straight shot down Bay Street. Come experience all that 120 Palo Verde Terrace has to offer.
MLS ID #ML82059343, Peter Cook. Listing provided by Lighthouse Realty · MLSListings Inc.
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Property Details
Property Type
Townhouse
Year Built
1974
Bedrooms
2
Bathrooms
1 Full, 1 Half
Living Area
990 sqft
Lot Size
N/A sqft
Garage
N/A
Price/sqft
$702
County
SantaCruz
MLS Number
ML82059343
Status
Active
Stories
N/A
HOA
$827/mo
Interior Features
CentralForcedAir_Gas
Exterior & Lot
Composition RoofPool
Location
This HomeActive ListingNew (3 days or less)Price ReducedOpen HouseSold
120 Palo Verde TER, Santa Cruz, CA 95060 · SantaCruz County
Market Context
Price Positioning
$Price context: Listed at $702/sqft vs Santa Cruz avg $900/sqft (22.0% below).
$Sale-to-list: Santa Cruz homes selling at 98.8% of asking.
⏲Velocity: City avg 40 days. This home: 33 days.
🏠Inventory:30 2-bedroom homes currently available in Santa Cruz.
Source: MLSListings Inc. Timothy Alston, Broker, DRE# 01328224.
Want to know what this home will actually sell for? Get a data-backed offer range based on recent comparable sales.
120 Palo Verde TER is located in Santa Cruz, California. This 2-bedroom, 2-bathroom townhouse is listed for $695,000. Homes in Santa Cruz average $900 per square foot with an average of 40 days on market, making this one of the most actively watched markets in 95060.
2-Bedroom Homes for Sale in Santa Cruz 95060
Browse 2-bedroom townhouse listings in Santa Cruz. Properties in 95060 are currently averaging $900 per square foot with 40 days on market.
What to Expect When Buying in Santa Cruz
The Santa Cruz market features a mix of townhouse properties ranging from starter homes to luxury estates. Current inventory levels suggest moderate conditions for buyers in this area.
Listed at $695,000 ($702/sqft). Santa Cruz avg is $900/sqft, placing this 22.0% below. Comparable recent sales help frame the value.
Listed 33 days (as of September 1, 2026). Santa Cruz average is 40 days.
Est. $5,419/mo with 20% down ($139,000) at 6.75%. Includes principal & interest ($3,606), property tax ($724), and insurance ($262). HOA: $827/mo. Aegis Luxury Real Estate is a licensed California real estate brokerage (DRE# 01328224) and is not a mortgage lender, mortgage broker, or loan originator. The figures shown are estimates for general reference only and do not constitute a loan offer, pre-approval, pre-qualification, or commitment to lend. Estimates use the applicable county average property tax rate of 1.25% of home price annually. Actual rates, payments, taxes, and insurance vary by lender and borrower qualifications. Contact Timothy for a referral to one of our preferred lending partners.
There are 175 active listings in Santa Cruz (30 are 2-bedroom). At $695,000 this is positioned against the city average of $1,650,328. Similar homes have sold at 98.8% of asking.
2-bedroom homes in Santa Cruz (95060) are currently averaging $900 per square foot. Market activity shows homes spending an average of 40 days on market in this area.
120 Palo Verde TER in Santa Cruz is currently listed at $695,000. This 2-bedroom, 2-bathroom townhouse is located in the Santa Cruz area.
The data relating to real estate for sale on this display comes in part from the Internet Data Exchange program of the MLSListings™ MLS system. Real estate listings held by brokerage firms other than Aegis Luxury Real Estate are marked with the Internet Data Exchange icon (a stylized house) and detailed information about them includes the names of the listing brokers and listing agents.
Based on information from the MLSListings MLS as of Oct 4, 2026 7:15 PM PT. 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.
These statistics are generated using information from the MLSListings Inc. multiple listing service, but have not been verified and are not guaranteed. MLSListings Inc. disclaims any responsibility for the accuracy and reliability of these statistics. This information should not be relied upon for real estate transaction decisions.
Data updated every 15 minutes. Visit www.MLSListings.com for more information.
Information provided is for general informational purposes only. Equal Housing Opportunity. If you are currently working with a real estate agent, this is not intended as a solicitation.
Timothy Alston, Broker, DRE# 01328224, Aegis Luxury Real Estate, 10080 N. Wolfe Rd Ste SW3-200, Cupertino CA 95014. (408) 207-4593.
Last updated: Oct 4, 2026 7:15 PM PT | Source: MLSListings Inc.
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