OFF MARKET

Off market may 2024 for $1M

$1,080,274

Est. refi paymentEst. refi $3,914/mo

•

1,368

sq ft

120 Stephen Rd, Aptos, CA 95003

About this home

Price improvement for this exceptionally refurbished and refinished beach home a block and a half to the beach. No details missed inside and out with kitchen, baths, flooring, doors, windows, decks, fencing, landscaping, and patios meticulously updated over time. Full ocean views from roof top crows nest. Finest attention to every detail from top to bottom and a few short steps to the beach and nearby restaurants, shopping, and Aptos Village from this ideal beach location. All furniture may be included in sales price.

TownhomeProperty Type

1982Year Built

1,133 sq ftLot Size

$790Est. Price/Sq.Ft.

1 car garageParking

Listed by Mike Morgan •DRE #01138930 • Coldwell Banker Realty

Bought with Kristen Valenza •DRE #02138153 • eXp Realty of California Inc

Redfin checked: a minute ago

•Source:MLSListings #ML81961606

Redfin Estimate

$1,080,274

$25K since sold in May 2024$47K since October

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 10.7% lower than the average sale price ($1.21M) of 5 comparable homes.

SOLD JUL 31, 2026
$946,800
A
3 beds2 baths1,233 sq ft
297 Perch Way, Aptos, CA 95003
SOLD AUG 12, 2026
$1,120,000
B
2 beds2 baths1,300 sq ft
273 Rio Del Mar Blvd, Aptos, CA 95003
SOLD SEP 15, 2026
$1,900,000
C
3 beds2 baths1,732 sq ft
149 Coates Dr, Aptos, CA 95003
SOLD OCT 13, 2026
$885,000
D
2 beds2 baths1,385 sq ft
2907 Crocker Ct, Aptos, CA 95003
SOLD AUG 25, 2026
$1,195,000
E
3 beds2.5 baths1,449 sq ft
130 Carrera Cir, Aptos, CA 95003

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Earn from this home

Refinance

Est. cash available

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Rent

$3,764/mo

Redfin rental estimate

List your home for rent

Market trends in 95003, CA

Last updated October 2026

Buyer's Market

Seller's Market

Balanced market

Sale-to-list price

97.9%

+0.2% MoM

Median sale price

$1.3M

$8K MoM

Avg. days on market

34d

7 days MoM

Recently sold homes

11 MoM

New listings for sale

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3 beds2.5 baths1,362 sq ft
3058 Aptos Hill Ln, Aptos, CA 95003
OPEN TODAY, 1PM TO 4PM
$1,400,000
3 beds1.5 baths1,146 sq ft
621 Cliff Dr, Aptos, CA 95003
$1,495,000
7 beds5 baths4,028 sq ft
358 Sea Ridge Rd, Aptos, CA 95003
EARLY ACCESS
$2,495,000
3 beds4 baths2,860 sq ft
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OPEN TODAY, 1PM TO 4PM
$1,449,000
3 beds2.5 baths1,688 sq ft
104 Vista Mar Ct, Aptos, CA 95003
OPEN TODAY, 12PM TO 2PM
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3 beds2 baths1,552 sq ft
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$1,995,000
4 beds3 baths2,664 sq ft
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OPEN TODAY, 1PM TO 3PM
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3 beds2 baths1,620 sq ft
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OPEN TODAY, 12PM TO 3PM
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3 beds3 baths1,497 sq ft
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3D & VIDEO TOUR
$3,350,000
3 beds3.5 baths3,888 sq ft
175 Charman Hill Rd, Aptos, CA 95003
See all

Provided by Redfin

Sale history for 120 Stephen Rd

Date

Event

Price

MLSListings #ML81961606

May 28, 2024

Sold

$1,055,000

$771/sq ft

May 22, 2024

Pending

—

May 18, 2024

Contingent

—

May 9, 2024

Price Changed

$1,095,000

$800/sq ft

Apr 16, 2024

Listed

$1,185,000

$866/sq ft

Apr 16, 2024

Listed

Public Records

May 22, 2015

Sold

$591,000

$432/sq ft

MLSListings #ML81457656

May 21, 2015

Pending

—

Apr 18, 2015

Contingent

—

Apr 18, 2015

Sold

$591,000

$432/sq ft

Mar 31, 2015

Price Changed

$599,000

$438/sq ft

Mar 31, 2015

Listed

$620,000

$453/sq ft

Public Records

Apr 10, 1998

Sold

$189,000

$138/sq ft

Public Records

Oct 21, 1988

Sold

$43,000

$31/sq ft

Public Records

Oct 30, 1981

Sold

$154,000

$113/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$13,606 (+55.7%)

$823,217 + $274,406

$1,097,623

2024

$8,741 (+2.2%)

$522,275 + $178,794

$701,069

2023

$8,555 (+2.1%)

$522,275 + $178,794

$701,069

2022

$8,379 (+2.6%)

$512,034 + $175,289

$687,323

2021

$8,166 (+1.7%)

$501,994 + $171,851

$673,845

2020

$8,027 (+2.4%)

$492,151 + $168,482

$660,633

2019

$7,839 (+2.8%)

$487,105 + $166,754

$653,859

2018

$7,627 (+0.9%)

$477,554 + $159,185

$636,739

2017

$7,556 (+2.8%)

$459,010 + $153,003

$612,013

2016

$7,349 (+106.1%)

$459,010 + $153,003

$612,013

2015

$3,565 (+2.6%)

$450,010 + $150,003

$600,013

2014

$3,476 (−0.1%)

$123,744 + $125,698

$249,442

2013

$3,480 (+4.6%)

$123,744 + $125,698

$249,442

2012

$3,325 (+2.4%)

$123,185 + $125,130

$248,315

2011

$3,247 (+1.6%)

$120,770 + $122,676

$243,446

2010

$3,194 (+0.4%)

$118,402 + $120,271

$238,673

2009

$3,182 (+2.9%)

$117,517 + $119,372

$236,889

2008

$3,093

$117,796 + $119,656

$237,452

Tax history for 120 Stephen Rd

Year

Property tax

Land + Additions

Assessment*

2025

$13,606 (+55.7%)

$823,217 + $274,406

$1,097,623

2024

$8,741 (+2.2%)

$522,275 + $178,794

$701,069

2023

$8,555 (+2.1%)

$522,275 + $178,794

$701,069

2022

$8,379 (+2.6%)

$512,034 + $175,289

$687,323

2021

$8,166 (+1.7%)

$501,994 + $171,851

$673,845

2020

$8,027 (+2.4%)

$492,151 + $168,482

$660,633

2019

$7,839 (+2.8%)

$487,105 + $166,754

$653,859

2018

$7,627 (+0.9%)

$477,554 + $159,185

$636,739

2017

$7,556 (+2.8%)

$459,010 + $153,003

$612,013

2016

$7,349 (+106.1%)

$459,010 + $153,003

$612,013

2015

$3,565 (+2.6%)

$450,010 + $150,003

$600,013

2014

$3,476 (−0.1%)

$123,744 + $125,698

$249,442

2013

$3,480 (+4.6%)

$123,744 + $125,698

$249,442

2012

$3,325 (+2.4%)

$123,185 + $125,130

$248,315

2011

$3,247 (+1.6%)

$120,770 + $122,676

$243,446

2010

$3,194 (+0.4%)

$118,402 + $120,271

$238,673

2009

$3,182 (+2.9%)

$117,517 + $119,372

$236,889

2008

$3,093

$117,796 + $119,656

$237,452

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Beds

Baths

Stories

—

Lot width

—

Lot depth

—

Lot size

1,133 Sq. Ft.

Year renovated

2019

Sq. Ft.

1,368

Year built

1982

Style

Townhouse

County

Santa Cruz County

APN

04214247

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Nov 5, 2026.

Property details

Parking

Garage Information
# of Garage Spaces: 1
Has Attached Garage: Yes

Parking Information
Has Garage: Yes
Parking Features: Attached Garage

Interior

Virtual Tour

Bedroom Information
Bedroom Features: Ground Floor Bedroom, Reverse Floor Plan, More Than One Bedroom on Ground Floor

Bathroom Information
# of Baths (Full): 2
Bathroom Features: Primary Stall Shower(s), Shower over Tub (1), Stone, Tile, Tub, Updated Bath(s), Full on Ground Floor

Appliances
Dishwasher, Garbage Disposal, Hood Over Range, Self-Cleaning Oven, Electric Oven Range, Refrigerator, Washer/Dryer

Dining Room Information
Dining Area in Living Room

Family Room Information
No Family Room

Fireplace Information
# of Fireplaces: 1
Fireplace Features: Gas Burning, Insert, Living Room

Flooring Information
Tile, Vinyl/Linoleum, Wood

Interior Features
Interior Features: High Ceiling, Vaulted Ceiling

Laundry Information
Laundry Features: In Garage

Kitchen Information
Kitchen Features: Stone Countertop

Exterior

Building Information
# of Buildings: 7
Foundation Details: Slab
Roof: Composition, Elastomeric

Exterior Features
Fencing: Fenced Back, Gate, Wood
Patio & Porch Features: Back Yard, Balcony/Patio, Deck, Fenced

Style
Architectural Style: Contemporary

Year Built
Year Built Details: 2

Lot Information
Lot Features: Mostly Level (Grade)

Property Information
Building Area Total (Sq. Ft.): 1,368
Common Walls: End Unit
Direction Faces: Southeast
Ownership Type: Common Interest Development

View
View: Bay, Mountains, Ocean

Financial

Financial Information
Buyer Financing: Cash
Listing Terms: Cash or Conventional Loan

Utilities

Heating & Cooling
Heating: Electric, Fireplace, Gas, Individual Room Controls

Utility Information
Gas: Public Utilities
Sewer: Public Sewer
Utilities: Public Utilities, Public Water
Water Source: Public

Location

HOA Information
Association Fee: $250
Association Fee Frequency: Monthly
Association Name: Del Mar Townhome Association
Has Association: Yes

School Information
Elementary School District: Pajaro Valley Unified
High School District: Pajaro Valley Unified

Location Information
MLS Area: Rio Del Mar/Seascape
Street Name: Stephen
Street Number: 120

WalkScore Information
Walk Score: 63

Public facts

Beds: 3
Baths: 2.0
Sq. Ft.: 1,368
Stories: —
Lot Size: 1,133 square feet
Style: Townhouse
Year Built: 1982
Year Renovated: 2019
County: Santa Cruz County
APN: 04214247

Home facts updated by county records on Nov 5, 2026

Around this home

Schools

K - 12
Preschool & daycare

Mar Vista Elementary School

Public K-6 • Assigned • 1.3mi

6/10

Aptos Junior High School

Public 7-8 • Assigned • 1.3mi

5/10

Aptos High School

Public 9-12 • Assigned • 2.4mi

8/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

6/10 Flood Factor

Estimated 70-78% chance of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

4/10 Heat Factor

7 days above 83° expected this year, 15 days in 30 years

1/10 Wind Factor

Minimal risk of severe winds over next 30 years

6/10 Air Factor

11 unhealthy days expected this year, 12 days in 30 years

Provided by First Street

Historical weather

Aptos, CA • 95003

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 11 hours in June and 4.8 hours in December, placing it above the U.S. average for solar exposure.

11 hrs

4.8 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$1.03M – $1.24M

Sell confidently with a local market expert in Aptos. 3 minutes to get started.

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Home values near 120 Stephen Rd

Data from public records.

Address	Redfin Estimate
119 Stephen Road, Aptos, CA 1 Beds \| 1 Baths \| 756 Sq. Ft.	$818,578
113 Stephen Road, Aptos, CA 9 Beds \| - Baths \| 4416 Sq. Ft.	—
126 Stephen Road, Aptos, CA 3 Beds \| 2 Baths \| 1252 Sq. Ft.	$878,387
118 Stephen Road, Aptos, CA 2 Beds \| 2.5 Baths \| 1224 Sq. Ft.	$855,090
115 Stephen Road, Aptos, CA - Beds \| 6 Baths \| 4416 Sq. Ft.	—
118 Hainline Road, Aptos, CA - Beds \| - Baths \| 1458 Sq. Ft.	$1,173,634
111 Marina Avenue, Aptos, CA 2 Beds \| 1 Baths \| 890 Sq. Ft.	$775,579

Address	Redfin Estimate
111 Stephen Road, Aptos, CA 4 Beds \| 2 Baths \| 1489 Sq. Ft.	$1,360,216
116 Stephen Road, Aptos, CA 2 Beds \| 1 Baths \| 762 Sq. Ft.	$869,743
124 Stephen Road, Aptos, CA 3 Beds \| 2 Baths \| 1274 Sq. Ft.	$1,099,367
118 Stephen Road Unit 118, Aptos, CA 2 Beds \| 2.5 Baths \| 1224 Sq. Ft.	$838,613
125 Aptos Beach Drive, Aptos, CA 2 Beds \| 1 Baths \| 730 Sq. Ft.	$762,749
116 Hainline Road, Aptos, CA 3 Beds \| 2.5 Baths \| 1380 Sq. Ft.	$1,246,542
117 Marina Avenue, Aptos, CA 2 Beds \| 1 Baths \| 836 Sq. Ft.	$890,040

Address	Redfin Estimate
109 Stephen Road, Aptos, CA 4 Beds \| 2 Baths \| 1489 Sq. Ft.	$1,151,624
108 Stephen Road Unit 1, Aptos, CA 5 Beds \| 3.5 Baths \| 2112 Sq. Ft.	—
122 Stephen Road, Aptos, CA 2 Beds \| 2.5 Baths \| 1224 Sq. Ft.	$956,097
122 Stephen Road Unit 122, Aptos, CA 2 Beds \| 2.5 Baths \| 1224 Sq. Ft.	$936,204
121 Aptos Beach Drive, Aptos, CA 4 Beds \| 2 Baths \| 1761 Sq. Ft.	$1,515,770
109 Marina Avenue, Aptos, CA 2 Beds \| 1 Baths \| 890 Sq. Ft.	$820,501
115 Marina Avenue, Aptos, CA 2 Beds \| 1 Baths \| 890 Sq. Ft.	$736,065

Property information provided by MLSListings when last listed in 2024. This data may not match . Learn more.

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About this home

Redfin Estimate

Earn from this home

Market trends in 95003, CA

Sale history for 120 Stephen Rd

Tax history for 120 Stephen Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 95003

Home values near 120 Stephen Rd

More real estate resources