# 2520 Howe Street, Santacruz, CA 95065

> **TL;DR:** 4bd/2ba single family, $1,250,000 ($823/sqft), built 1964, 1,519 sqft.
> 2-car garage. Est. $6,686/mo. Listed 75 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $1,250,000 |
| Price/sqft | $823 |
| Bedrooms | 4 |
| Bathrooms | 2 full |
| Square Feet | 1,519 |
| Year Built | 1964 |
| Lot Size | 5,706 sqft (0.13 acres) |
| Stories | 1 |
| Garage | 2-car |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 75 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $6,321 |
| Estimated Insurance | $365 |
| **Total** | **$6,686** |

## Nearby Schools

- **Elementary:** SoquelUnionElementary
- **Middle:** NewBrightonMiddle
- **High:** SantaCruzCityHigh

## Key Amenities

- 2-car garage

## Property Highlights

- Built in 1964
- 0.13 acre lot

## Description

### Agent Description
Located in the Lower Santa Cruz Gardens neighborhood this meticulously maintained, 4bd 2ba home is available for the first time ever! New floors recently installed in the entry room, dining and kitchen. Off the kitchen, you'll step into the living space followed by a sunroom. Next step into a quiet, private oasis featuring a fabulous pool in excellent condition! You have to see this home in person to appreciate every detail!

## Location

- **Address:** 2520 Howe Street, Santacruz, CA 95065
- **County:** SantaCruz
- **Coordinates:** 36.990234, -121.974127
- **Google Maps:** https://www.google.com/maps?q=36.990234,-121.974127

## Listing Agent

- **Name:** Emma Alcaraz · **License:** 02253735
- **Brokerage:** Schooner Realty
- **Broker Phone:** (831) 239-4646
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/2520-Howe-St_Santa-Cruz_CA_95065_M29549-13020?f=listhub&s=MLSLCA&m=ML82057922&c=propsimple)

## Photos

![2520 Howe Street - Photo 1](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3933640738r.jpg)

![2520 Howe Street - Photo 2](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f110336528r.jpg)

![2520 Howe Street - Photo 3](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2041937061r.jpg)

![2520 Howe Street - Photo 4](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1416045082r.jpg)

![2520 Howe Street - Photo 5](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3425553844r.jpg)

![2520 Howe Street - Photo 6](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3455358657r.jpg)

![2520 Howe Street - Photo 7](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f696264063r.jpg)

![2520 Howe Street - Photo 8](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1111756571r.jpg)

![2520 Howe Street - Photo 9](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3279229161r.jpg)

![2520 Howe Street - Photo 10](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2467536961r.jpg)

![2520 Howe Street - Photo 11](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f109361825r.jpg)

![2520 Howe Street - Photo 12](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f432862605r.jpg)

![2520 Howe Street - Photo 13](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3284592166r.jpg)

![2520 Howe Street - Photo 14](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f822005155r.jpg)

![2520 Howe Street - Photo 15](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f4057035725r.jpg)

![2520 Howe Street - Photo 16](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1097088316r.jpg)

![2520 Howe Street - Photo 17](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2969951499r.jpg)

![2520 Howe Street - Photo 18](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f966786135r.jpg)

![2520 Howe Street - Photo 19](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1616377454r.jpg)

![2520 Howe Street - Photo 20](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1995147490r.jpg)

![2520 Howe Street - Photo 21](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3375091236r.jpg)

![2520 Howe Street - Photo 22](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1385239223r.jpg)

![2520 Howe Street - Photo 23](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1183112867r.jpg)

![2520 Howe Street - Photo 24](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f843983411r.jpg)

![2520 Howe Street - Photo 25](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1613255269r.jpg)

![2520 Howe Street - Photo 26](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f21673347r.jpg)

![2520 Howe Street - Photo 27](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3655810337r.jpg)

![2520 Howe Street - Photo 28](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3562035172r.jpg)

![2520 Howe Street - Photo 29](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f683813571r.jpg)

![2520 Howe Street - Photo 30](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1440785505r.jpg)

![2520 Howe Street - Photo 31](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1601874121r.jpg)

![2520 Howe Street - Photo 32](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3575370874r.jpg)

![2520 Howe Street - Photo 33](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1977615334r.jpg)

![2520 Howe Street - Photo 34](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1704381019r.jpg)

![2520 Howe Street - Photo 35](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f778842323r.jpg)

![2520 Howe Street - Photo 36](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f723909199r.jpg)

![2520 Howe Street - Photo 37](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2919372284r.jpg)

![2520 Howe Street - Photo 38](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1296992536r.jpg)

![2520 Howe Street - Photo 39](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1383626583r.jpg)

![2520 Howe Street - Photo 40](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3559879619r.jpg)

![2520 Howe Street - Photo 41](http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2960466779r.jpg)

---

**MLS#:** ML82057922 | **Updated:** 2026-10-26
**Source:** listhub

*Copyright © 2026 MLS Listings, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://staging.propertysimple.ai/listing/2520-howe-street-santacruz-ca-95065-4b203e2192f04406a743744314ba88d4)

---

## Structured Data

```json
{
  "@context": "https://schema.org",
  "@type": "RealEstateListing",
  "@id": "https://staging.propertysimple.ai/listing/2520-howe-street-santacruz-ca-95065-4b203e2192f04406a743744314ba88d4#listing",
  "url": "https://staging.propertysimple.ai/listing/2520-howe-street-santacruz-ca-95065-4b203e2192f04406a743744314ba88d4",
  "name": "2520 Howe Street, Santacruz, CA 95065",
  "description": "Located in the Lower Santa Cruz Gardens neighborhood this meticulously maintained, 4bd 2ba home is available for the first time ever! New floors recently installed in the entry room, dining and kitchen. Off the kitchen, you'll step into the living space followed by a sunroom. Next step into a quiet, private oasis featuring a fabulous pool in excellent condition! You have to see this home in person to appreciate every detail!",
  "image": [
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3933640738r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f110336528r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2041937061r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1416045082r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3425553844r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3455358657r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f696264063r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1111756571r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3279229161r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2467536961r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f109361825r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f432862605r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3284592166r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f822005155r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f4057035725r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1097088316r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2969951499r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f966786135r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1616377454r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1995147490r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3375091236r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1385239223r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1183112867r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f843983411r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1613255269r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f21673347r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3655810337r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3562035172r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f683813571r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1440785505r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1601874121r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3575370874r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1977615334r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1704381019r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f778842323r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f723909199r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2919372284r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1296992536r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1383626583r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3559879619r.jpg",
    "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2960466779r.jpg"
  ],
  "primaryImageOfPage": {
    "@type": "ImageObject",
    "url": "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3933640738r.jpg",
    "caption": "2520 Howe Street - Santacruz, CA"
  },
  "datePosted": "2026-08-17",
  "dateModified": "2026-10-26T03:30:34.800Z",
  "mainEntity": {
    "@type": "Accommodation",
    "@id": "https://staging.propertysimple.ai/listing/2520-howe-street-santacruz-ca-95065-4b203e2192f04406a743744314ba88d4#property",
    "name": "2520 Howe Street, Santacruz, CA 95065",
    "address": {
      "@type": "PostalAddress",
      "streetAddress": "2520 Howe Street",
      "addressLocality": "Santacruz",
      "addressRegion": "CA",
      "postalCode": "95065",
      "addressCountry": "US"
    },
    "geo": {
      "@type": "GeoCoordinates",
      "latitude": 36.990234,
      "longitude": -121.974127
    },
    "image": [
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3933640738r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f110336528r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2041937061r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1416045082r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3425553844r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3455358657r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f696264063r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1111756571r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3279229161r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2467536961r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f109361825r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f432862605r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3284592166r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f822005155r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f4057035725r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1097088316r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2969951499r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f966786135r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1616377454r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1995147490r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3375091236r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1385239223r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1183112867r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f843983411r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1613255269r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f21673347r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3655810337r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3562035172r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f683813571r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1440785505r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1601874121r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3575370874r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1977615334r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1704381019r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f778842323r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f723909199r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2919372284r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1296992536r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f1383626583r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f3559879619r.jpg",
      "http://lh.rdcpix.com/653b1955d0b0e95ad0d02f77c3283324l-f2960466779r.jpg"
    ],
    "identifier": {
      "@type": "PropertyValue",
      "propertyID": "MLS",
      "value": "ML82057922"
    },
    "accommodationCategory": "Single Family Residence",
    "numberOfBedrooms": 4,
    "numberOfBathroomsTotal": 2,
    "numberOfFullBathrooms": 2,
    "floorSize": {
      "@type": "QuantitativeValue",
      "value": 1519,
      "unitCode": "FTK",
      "unitText": "square feet"
    },
    "yearBuilt": 1964,
    "amenityFeature": [
      {
        "@type": "LocationFeatureSpecification",
        "name": "Heating",
        "value": "Forced Air, Central"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Appliances",
        "value": "CooktopElectric, Dishwasher, Microwave, OvenElectric"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Parking Features",
        "value": "Garage"
      }
    ],
    "additionalProperty": [
      {
        "@type": "PropertyValue",
        "name": "Lot Size",
        "value": "0.13 acres"
      },
      {
        "@type": "PropertyValue",
        "name": "Stories",
        "value": 1
      },
      {
        "@type": "PropertyValue",
        "name": "Garage Spaces",
        "value": 2
      },
      {
        "@type": "PropertyValue",
        "name": "Property Subtype",
        "value": "Single Family Residence"
      }
    ]
  },
  "offers": {
    "@type": "Offer",
    "@id": "https://staging.propertysimple.ai/listing/2520-howe-street-santacruz-ca-95065-4b203e2192f04406a743744314ba88d4#offer",
    "url": "https://staging.propertysimple.ai/listing/2520-howe-street-santacruz-ca-95065-4b203e2192f04406a743744314ba88d4",
    "price": 1250000,
    "priceCurrency": "USD",
    "businessFunction": "http://purl.org/goodrelations/v1#Sell",
    "availability": "https://schema.org/InStock",
    "seller": {
      "@id": "https://staging.propertysimple.ai/listing/2520-howe-street-santacruz-ca-95065-4b203e2192f04406a743744314ba88d4#agent"
    }
  },
  "provider": {
    "@type": "Person",
    "@id": "https://staging.propertysimple.ai/listing/2520-howe-street-santacruz-ca-95065-4b203e2192f04406a743744314ba88d4#agent",
    "name": "Emma Alcaraz",
    "worksFor": {
      "@type": "Organization",
      "@id": "https://staging.propertysimple.ai/listing/2520-howe-street-santacruz-ca-95065-4b203e2192f04406a743744314ba88d4#brokerage",
      "name": "Schooner Realty",
      "telephone": "(831) 239-4646",
      "logo": {
        "@type": "ImageObject",
        "url": "http://lh.rdcpix.com/c548da21a4c711e3902122000a618ae2k-c3407920855r.png"
      }
    }
  }
}
```