$1,099,000

In the heart of downtown Santa Cruz, this versatile duplex puts you at the center of one of California's most vibrant and eclectic coastal communities. With two separate living spaces, the property offers exceptional flexibility for investors, owner-occupants or multigenerational living. The light-filled upper residence features 2 bedrooms and 1 full bath. Downstairs, a private studio with its own full kitchen and bath creates an ideal opportunity for rental income, extended family or guests. Outside, a lush and private backyard provides an unexpected urban oasis, with mature greenery, a relaxing sauna and inviting spaces for morning coffee, outdoor dining and gardening. Leave the car behind and enjoy easy access to downtown restaurants, shops and entertainment, with the Wharf, Boardwalk, beaches and West Cliff all close by. Whether you're looking to rent both units, live in one while generating income from the other, or create a flexible multigenerational home, this unique property offers an opportunity to enjoy the best of the Santa Cruz lifestyle.