95003 Homes under $1.5 million

Welcome to Aptos, California, a hidden gem nestled in the heart of Santa Cruz County, where the coastal charm meets a vibrant community spirit. The zip code 95003 encompasses a picturesque landscape, offering residents stunning views of the Pacific Ocean and lush redwood forests. Aptos is known for its beautiful beaches, serene parks, and a laid-back lifestyle that attracts both families and retirees alike.

In this enchanting coastal town, you'll find an array of homes under $1.5 million, making it an ideal destination for those seeking a slice of California paradise without breaking the bank. From cozy beach cottages to modern single-family homes, the real estate market in Aptos offers diverse options that cater to various tastes and budgets. Imagine waking up to the sound of waves crashing and enjoying your morning coffee on a sunlit deck, surrounded by nature’s beauty.

Aptos is not just about stunning homes; it’s also about community. With its charming downtown area, residents can enjoy boutique shopping, delightful dining options, and local events that foster a sense of belonging. The nearby Aptos Village and Seacliff State Beach provide ample opportunities for outdoor adventures, whether you’re into hiking, surfing, or simply soaking up the sun.

Living in 95003 means embracing a lifestyle that balances relaxation and recreation. With homes available under $1.5 million, your dream of coastal living is within reach. Come explore Aptos and discover the perfect place to call home!

Newest 95003 Homes under $1.5 million

$1,099,000

2 Beds ⋅ 2 Baths ⋅ ML82065817 MLS

**NEW CONSTRUCTION + 4.99% FIXED-RATE FINANCING OPPORTUNITY** Welcome to Aptos Village! This beautifully designed new-construction 2-bed, 2-bath home offers 1,263 sqft of modern living just steps from the Forest of Nisene Marks. The open-concept kitchen features quartz countertops, a gas range, dishwasher, refrigerator, and ample cabinetry- perfect for everyday living and entertaining. Energy-efficient features include double-pane windows, multi-zone mini-split HVAC, and a tankless water heater. The thoughtfully designed floor plan includes a main-level guest bedroom and full bath, plus a private upstairs primary suite. Both bedrooms feature walk-in closets, and a versatile loft is an ideal space for a home office, den, or flex area. High ceilings, abundant natural light, a full-size washer and dryer, window coverings, and a complete appliance package add comfort and value. Aptos Village offers a walkable lifestyle with dining, coffee shops, wine tasting, boutique shopping, and a neighborhood grocery market. Enjoy easy access to beaches, scenic trails, and world-class outdoor recreation. ***Some photos are of units with similar/same floorplan. Not all photos are of this specific unit***

121 Aptos Village WAY 4, Aptos

Listed by Aimee Thayer-Garcia, 831-435-9146 from Montalvo Homes & Estates
(If provided) CoList: Derek Timm from Montalvo Homes & Estates

$600,000

3 Beds ⋅ 2 Baths ⋅ ML82065712 MLS ⋅ Blue Pacific BLDG.

Enjoy coastal living in this updated move-in ready home just a short walk from Sea Cliff beach and close to shopping and restaurants. This three bedroom, two bath home has a wonderful open concept kitchen, living and dining room. The updated kitchen has custom cabinets with soft-close drawers, stainless steel appliances and waterproof flooring. The kitchen with an island opens to the bright, generous living and dining areas, creating a large and inviting space for everyday living and entertaining. The split-bedroom layout offers privacy, with the large primary bedroom, walk-in closet, and bath on one side of the home and two additional bedrooms and a second bathroom on the other side. Outside, a patio provides space for entertaining, while a storage shed and guest parking add convenience. The home is located in Blue Pacific Mobile Home Park, a resident-owned co-op community since 2011. This desirable all-age, pet-friendly park includes a heated swimming pool and a community club house for residents to enjoy. .

220 Mar Vista DR 23, Aptos

Listed by Denise Norris, 831-325-1970 from David Lyng Real Estate
(If provided) CoList: from

$1,295,000

3 Beds ⋅ 2 Baths ⋅ BE41152254 MLS ⋅ Not Listed BLDG.

Coastal Living at Its Finest and Breathtaking Monterey Bay Views at Del Mar Shores! Experience the beauty of the California coast from this inviting 3-bedroom, 2-bathroom condo offering 1,432 square feet of comfortable living space with sweeping views of Monterey Bay, Rio Del Mar Beach, Seacliff State Beach and the Santa Cruz coastline. The open-concept living and dining area creates a welcoming space to relax, entertain, and take in the stunning coastal scenery. Whether you're enjoying a quiet morning, gathering with friends and family, or unwinding after a day at the beach, this home offers a wonderful opportunity to embrace the relaxed rhythm of coastal living. Just minutes to Rio Del Mar Beach, Seacliff State Beach and local restaurants, you'll enjoy easy access to the natural beauty and laid-back lifestyle that make this stretch of the Central Coast so special. Whether you're searching for the perfect weekend getaway, a vacation home, or a full-time coastal residence, this spacious condo offers an exceptional opportunity to enjoy the best of beachside living. Come discover the beauty, views, and coastal lifestyle that await you at Del Mar Shores in Aptos!

260 Rio Del Mar Blvd 6, Aptos

Listed by Mike Fracisco, (925) 998-8131 from Fracisco Realty
(If provided) CoList: from

$999,500

2 Beds ⋅ 2 Baths ⋅ ML82065459 MLS

A distinctive corner unit within Seascape Resort, this spacious 2-bedroom, 2-bath retreat offers approximately 1,300 sq. ft., abundant natural light and ocean views from both the main living area and upstairs primary suite. The thoughtfully designed two-level floor plan features a full kitchen, dining area, living room with fireplace, guest bedroom and bath on the main level, plus two private balconies. Upstairs, the primary suite enjoys added privacy, a vaulted ceiling and ocean view. Owners may enjoy up to 90 days of personal use each year, with the convenience of Seascape Resorts on-site rental management program for the remainder. Conveniently located near the path to the beach, resort pools and other amenities. Enjoy miles of sandy beach, fresh ocean air and sunsets, with Seascape Village shops, restaurants and Seascape Sports Club just across the street, and Seascape Golf Club nearby.

2 Seascape Resort DR, Aptos

Listed by Steve Byrd, 831-251-1985 from Sotheby's International Realty
(If provided) CoList: from

$1,145,000

3 Beds ⋅ 3 Baths ⋅ ML82064547 MLS

Experience the warmth of this spacious, 3-bedroom, 3-bathroom home in the desirable Rio Del Mar area of Aptos, on the ocean side of Hwy 1. Recently refreshed with new interior paint and flooring, this light-filled home offers a welcoming, move-in-ready setting with plenty of room to make it your own. The home offers excellent separation of space and flexibility for a variety of lifestyles. With its generous size and versatile layout, there is room to explore the possibilities of multigenerational living, a dedicated home office, or a potential junior ADU. Outside, the backyard presents a blank canvas for creating your own private retreat, outdoor entertaining space, or garden oasis. A two-car garage with extra parking in the driveway. The location places you close to the beach, golf, schools, and shopping. Comfortable and livable as it stands, this home also offers an opportunity to update and personalize over time, adding your own style and vision. For buyers seeking space, flexibility, and potential in the Santa Cruz County market, this is an opportunity to consider.

546 Monterey DR, Aptos

Listed by Bettsy Tyler, 831-332-2298 from Coldwell Banker Realty
(If provided) CoList: Maddie Nehf from Coldwell Banker Realty

$1,125,000

2 Beds ⋅ 2 Baths ⋅ ML82064762 MLS

The final available end unit in Building 8 boasts what we consider the best ocean view in Phase 2. On clear days, your view extends down to the palm trees and surf at Seacliff Beach. The modern, flexible layout features 2 bedrooms, 2 bathrooms, and a spacious loft. The private primary suite offers expansive views, a private balcony, and a walk-in closet. Every detail is curated for comfort, including multi-zone split ductless HVAC for heating and cooling and a single-car garage for secure parking and storage. This home comes move-in ready at no additional premium, featuring a full suite of stainless steel kitchen appliances, a washer/dryer, and window coverings.Located in the heart of Aptos Village, you are steps from artisan shops, cafes, and gourmet markets. Nature enthusiasts will love being within walking distance to miles of hiking and biking trails in the Forest of Nisene Marks. Seacliff and Rio Del Mar beaches are just minutes away. Inquire about exclusive financing through our preferred lender to secure a 4.99% rate on a 30-year fixed mortgage. Promotional Financing ends 12/31/2026. Don't miss this final opportunity for a Phase 2 end unit with unbeatable views.***Some Photos are of the staged, model unit. Same floorplan, but mirror image ***

136 Aptos Village WAY 1, Aptos

Listed by Aimee Thayer-Garcia, 831-435-9146 from Montalvo Homes & Estates
(If provided) CoList: Derek Timm from Montalvo Homes & Estates

$875,000

2 Beds ⋅ 2 Baths ⋅ ML82062346 MLS

Assumable 2.9% FHA loan, subject to lender approval. Hillside deck. Hot tub. Valley views. Watch the trees go gold at sunset from your own backyard in Aptos. That is an ordinary weeknight here. Inside, the work is done. The kitchen has been updated. Luxury vinyl plank flooring runs through the home, clean and easy to care for. Two full baths give everyone their own space. Washer and dryer hookups keep laundry at home, where it belongs. Just under 1,200 square feet, and every one of them is easy to live in. Minutes from everything. Deer Park Marketplace in 5 minutes. Bittersweet Bistro in 5 minutes. Aptos Village in 8 minutes. Seacliff State Beach in 11 minutes. Rancho Del Mar shopping in 10 minutes. Highway 1 in 7 minutes. High enough to forget all of it, close enough to be where you need to be! Some homes give you space. This one gives you distance. Homes like this are rare in Santa Cruz County. With a 2.9% rate, they are almost unheard of. Schedule your private tour today.

431 Loma Prieta DR, Aptos

Listed by Sirrom Alizem, 650-695-1919 from eXp Realty of Northern California, Inc.
(If provided) CoList: from

$945,000

3 Beds ⋅ 2 Baths ⋅ ML82064449 MLS

3 bedrooms and 2 baths on ground level with large fenced-in patio. You will enjoy the 1170 sqft that composes this Condominium. Amazing neighborhood with private pool and sidewalks throughout community. Minutes walk from the beach, seascape shopping area and restaurants and public park.

1514 Dolphin DR, Aptos

Listed by Jeffrey Sklar, 804-656-5007 from Beycome Brokerage Realty Inc.
(If provided) CoList: from

$1,349,000

3 Beds ⋅ 2 Baths ⋅ ML82063497 MLS

Completely FUN! This is the house every child...and adult will want to come to and play! Amazing gardens and fully irrigated beds for all the flowers and veggies you could want. Almost .5 acre of entertainment and joy. Inside the high ceilings and windows flood the house with light. Natural wood through out, combined with granite counters give this house a warmth and feeling of spaciousness. It has a comfortable elegance that encourages gatherings. Primary bedroom has a private deck that curves around and opens to the yard. All the main living area is on one level. Downstairs has an added room that can be anything from perfect get-away, workshop, home office, or movie room. The yard has bbq area, play areas and multiple fruit trees. The living area opens to the large deck that gives perfect access to the gardens You can look out from the kitchen and dining area, to watch all the fun in the yard. Swings, Outdoor movies, and more. Or just enjoy the amazing garden. This house has a great location and is close to everything, but total privacy as well.

9961 Monroe AVE, Aptos

Listed by Katy King, 831-247-6614 from Bailey Properties
(If provided) CoList: from

$799,000

2 Beds ⋅ 2 Baths ⋅ ML82064429 MLS ⋅ Aptos Pines BLDG.

This is the best of coastal living in a beautifully maintained 2013 modular home, nestled in the picturesque Aptos Pines community...and you own the land! Offering 2 bedrooms, office, 2 bathrooms, and 1,152 sf. of comfortable living space, this lovely home combines modern updates with a peaceful, natural setting. The kitchen features new cabinetry and elegant quartz countertops, while the bathrooms are enhanced by beautiful marble counters. Your 4,312 sf of owned land offers a peaceful backdrop and a lovely connection to nature. Enjoy the best of the Aptos lifestyle, just minutes from beautiful beaches, charming local shops, restaurants, and all the amenities of town. Whether you are looking for a full-time residence, a coastal retreat, or a more relaxed way of life, this special property offers an appealing combination of comfort, location and tranquility.

149 Hahns RD 149, Aptos

Listed by Susan Seeger, 831-227-1344 from David Lyng Real Estate
(If provided) CoList: from

$1,199,000

3 Beds ⋅ 3 Baths ⋅ ML82064418 MLS

Welcome HOME to the Aptos Village, a thoughtfully planned community in the HEART of Santa Cruz County. Featuring a pedestrian-friendly town square, this community offers a neighborhood grocery store, quaint coffee shops, tasting rooms, boutique retail, and multiple dining destinations. The largest floorplan in Phase 2, this specific home site also features ocean peaks from multiple rooms. The spacious great room steps out onto a private balcony overlooking Aptos Village Way with peaks of the Pacific Ocean on the horizon. A guest bedroom and full bathroom are located off the living room. Upstairs are two suites- a primary and a junior suite- both equipped with walk-in closets. All New Construction, the Builder has included a full suite of stainless steel appliances, washer and dryer set, and window coverings at no additional premium. These homes are truly move-in ready. Bring your boogie boards, bring your mountain bikes and get ready to explore long stretches of sand at Seacliff Beach and even longer stretches of trails at the Forest of Nisene Marks State Park. It takes a Village and we can't wait to welcome you to your NEW HOME.

121 Aptos Village WAY 2, Aptos

Listed by Aimee Thayer-Garcia, 831-435-9146 from Montalvo Homes & Estates
(If provided) CoList: Derek Timm from Montalvo Homes & Estates

$1,499,000

1 Beds ⋅ 1 Baths ⋅ ML82064184 MLS ⋅ Rio Del Mar Beach Island Home BLDG.

Step inside a home where design and function meet at the highest level. A custom Bulthaup kitchen from Germany sets the tone, offering olive wood cabinetry, stainless steel countertops, and a sleek back-painted glass backsplash. Enjoy the integrated Miele appliances including a built-in espresso system and combination speed oven, complemented by a new Wolf induction cooktop and drawer-style dishwasher. Radiant heated floors run throughout, while thoughtful built-ins, including custom bedroom cabinetry and a wall-mounted TV, maximize comfort and storage. The home flows effortlessly to the outdoors with a full-width LaCantina bifold door, opening to ocean air and seamless indoor-outdoor living. A board-formed concrete fireplace anchors the space with warmth and texture. Upstairs, an ultra-private rooftop deck features porcelain pavers, Ipe stair treads, and a full outdoor kitchen with stainless cabinetry, refrigeration, and Dekton counters designed for entertaining above it all. Complete with an outdoor hot-water shower and direct beach access just steps away. This is coastal living, refined.

264 Beach DR, Aptos

Listed by Bouja & Swenson Group, 408-655-9398 from Golden Gate Sotheby's International Realty
(If provided) CoList: from

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The data relating to real estate for sale on this display comes in part from the Internet Data Exchange program of the MLSListingsTM MLS system. Real estate listings held by brokerage firms other than Milestone SV are marked with the Internet Data Exchange and detailed information about them includes the names of the listing brokers and listing agents.
Based on information from MLSListings MLS as of . 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.

95003 Homes under $1.5 million

Newest 95003 Homes under $1.5 million

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