Can first time home buyers afford a home in Santa Cruz County?

Santa Cruz CA Homes for Sale

Are you looking to own your first home?

Buying your first home is one of the biggest financial steps you will make. It is important to think everything thoroughly before making that decision.

You need to take the time to prepare yourself in every aspect to make your home a blessing – not a negative experience. Especially if you’re a first time buyer who has not owned a home for three years or a single parent who only owned a home with a spouse.

One that you should consider before buying a home is what are your current needs. How many bedrooms do you need? How many bathrooms? Do you need a lot of space? Is proximity to a school important?

Budget. How much can you afford for your home?

If you’re looking to buy a home in Santa Cruz County, I know just the person… ME, Sandy Wallace!

If you’d like to learn more about me, your top real estate professional from Santa Cruz, here’s a link to my website
I also have good news for first time buyers looking for homes for sale in Santa Cruz County! Read on to find out.

Homes for Sale in Santa Cruz CAGet to know more about the homes in Santa Cruz and their prices !

Santa Cruz is a great place to find a home in a paradise-like setting. If you want to check out some of the homes for sale in Santa Cruz, you can check them out here!

There are a lot of home styles to choose from here – from the Spanish Style homes of 1791 to the California Bungalow of 1920. One thing’s for sure, when you buy a home in Santa Cruz, you can get spectacular ocean views you won’t find anywhere else!

The median price of homes in Santa Cruz County is today is $708,500 for the zip code 95062. That is down from a all time high of more than $800,000. That makes it hard for anyone to save up a 20% down payment to qualify for a 30 year or 15 year conventional loan.

What Federal and State loan programs are available to help a first time home buyer?

Here’s the good news you’ve been waiting for! Santa Cruz County is now offering FHA loans for homeowners!

FHA is a federally funded home loan program that allows people to buy homes with low down payments (3.5%) lower interest rates and fees. Typically, borrowers making a down payment of less than 20 percent of the purchase price of the home will need to pay for mortgage insurance. This adds .5% – 1% to the interest rate of the loan. FHA interest rates are lower than conventional loans, too!

A lot of other programs are also available to help first time home buyers in Santa Cruz. Depending specifically where you want to buy and your specific circumstances there may be a program for you.

We have the Measure 0 for the City of Santa Cruz and Measure J is for the County of Santa Cruz for lower income buyers. It depends where you fall in the California, Santa Cruz County, and the Santa Cruz City low or medium income. Each have their own income requirements and other stipulations. They are all a little different.

There is a Santa Cruz County program for downpayment assistance that my clients have used in the past and it is really great. There are also incentives for teachers, special loan programs for public employees, etc.

If you are curious as a prospective first time buyer I’ve done the online research at the city, county and state levels. I can point you to the best program for your needs.

I’m Sandy Wallace and I have been a REALTOR® since 1998. I have developed personal services for my clients that are unparalleled in Santa Cruz CA and I can make your real estate dreams come true!

When you sign up to use my full services you will be treated like my number one client for life! What are you waiting for? Call me now at 831-818-7099.

Top Advantages of Using Lifestyled Listings in Your Home Search

Santa Cruz Homes for Sale

The how, what and where of house hunting

When you are looking for a new home, what do you consider? What are your primary considerations?

One of the major considerations many home buyers must have in selecting a home is lifestyle. Your lifestyle dictates the features and amenities you would want to have in a home.

How do you find the ideal home that would be suitable for your lifestyle?

Santa Cruz Homes for Sale

This is the part where I, Sandy Wallace, can help you.

Armed with the list of your needs and with your lifestyle in mind, I utilize my expertise and knowledge of the area to help you find the best home that would cater to your lifestyle.

I can provide recommendations of sites you should visit so you can have an idea of what you want in a home.

And in case you are not sure what lifestyle you would like to pursue, I can also offer suggestions of how to evaluate your current lifestyle to fit the one you have in mind.

Finding a sustainable lifestyle.

I just sold a manufactured home in Scotts Valley for $350,000. At the point that you are reading this, the sellers would have already moved into their 43-acre farm in Sandpoint Idaho.

They paid $150,000 for the property. Both are retired and are starting their new sustainable lifestyle.

They wanted to raise sheep, and the wife will have a loom workshop to create wool rugs. Both the couple are certified bee-keepers so they will have sweet honey.

Their son, Toby, already lives on the farm. He is a REALTOR® – PERMACULTURE DESIGN CONSULTANT, and he has created a sustainable landscape that will feed the animals, trees, and land.

Isn’t that a cool story?

I love this story about a new life, where people can embrace the lifestyle they want and realize all the possibilities waiting for them.

In this story, the couple knew what they wanted in life, so they were able to easily identify the features and amenities they need in a home.

And Lifestyled Listings helped them match their lifestyle with the home that can support it.

What is Lifestyled Listings?

Lifestyled Listings is a website where you can search for homes to match your lifestyle.

It provides you with a chance to dream about all the places you can live and start a lifestyle where you get to do the great things you have always wanted to do.

What are the advantages of using Lifestyled Listings in your home search?

1. It has a database of 1.6 million real estate listings nationwide, giving you a diversity of choices so you can select the best home that would fit your lifestyle.

Usually, in looking for a new home, you are given the best possible matches to whatever information you have given me as the real estate agent. In most cases, I would find maybe three to five homes that provide some amenities you want, but not all.  Of course, the listings I can offer are the ones in the area I am familiar with.

With Lifestyled Listings, you have more options to choose from, but they are slowly trimmed down with each answer to the ten questions asked.

2. It analyzes your lifestyle needs to easily match it with thousands of neighborhoods and communities in the country that can cater to it.

Each of the ten questions is designed to find out what you want and eliminate those that you do not want.

3. Its answer is customized and a fit to you alone.

Each answer determines the next set of options that will be presented to you.  At the end of the 10 questions, you will see names of places that offers a close match to your lifestyle.

4. It considers budget range in the selecting your possible home choices.

Your budget range is among the major determiners of the type of property you will have. It plays a crucial role in supporting the lifestyle you have.

Interested to find out where you can retire or establish a new home? Visit http:/ And if you want to see homes for sale in Pleasure Point Beach or other oceanfront areas, check out my website

Whether you are retired and looking for a new lifestyle or relocating and wanting to embrace a particular lifestyle entirely, Lifestyled Listings and I can help you achieve it by finding you the best home for you.

I’m Sandy Wallace and I have been a REALTOR® since 1998. Consult with me on how to find the home that can fit your lifestyle. Call me at 831-818-7099.

Coming Soon! 1232 Parkington Ave Sunnyvale CA 94087 | Single Family Home for Sale

Live in an older home that has character and charm in Sunnyvale CA.

If you are looking for an older home that has been recently renovated, this Sunnyvale home for sale would fit right up your alley.

With 3 bedrooms, 2 baths and a 2-car garage, this home is unique and certainly has character.

An Eichler style home and built in 1955, it has floor to ceiling windows, an open floor plan and wood beam ceilings.

This home’s kitchen has been recently renovated to keep up with the demands of the modern life.

This home offers great features and more!

It is located near Downtown Sunnyvale where world renowned high tech companies are located, including Apple, Google, LinkedIn, Juniper Network and Cognizant. You get the boasting right to say Google is your neighbor!

Schools, restaurants and shopping centers are only minutes away on foot!

Take advantage of this rare opportunity!

Call me, Sandy Wallace, at 831-818-7099 and schedule a viewing today.

Market Stats
IDX Search
Single Family Home
Main Features
3 Bedrooms
2 Full Bathrooms
Interior: 1,120 sqft
Lot: 6,115 sqft
Year Built: 1955
MLS #: ML89928838
1232 Parkington Ave
Sunnyvale, CA 94087

Sandy Wallace - REALTOR® Sandy Wallace – REALTOR®

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West Side Santa Cruz Homes Sales

Santa Cruz is still a solid seller’s market

Over the last 30 days, 127 homes went under contract in the Santa Cruz County market, the lowest amount since last January. As the market appears to be approaching a bottom, there were 148 homes sold over the same period. Potential buyers should note that prices went up in Santa Cruz County, with the median for this period rising from $710,000 to $730,000. There are only two months of inventory available in Santa Cruz County, so it’s still solid seller’s market, even with the shrinking contracts numbers.

Curious what your neighbor’s home sold for?

Get a FREE weekly list of ALL “just sold” homes in your Santa Cruz neighborhood.

Go to.

Thinking of selling too?

Call/text me today 831-818-7099…”

West Side Homes sell for more

The prices for homes is determined by the location first. We take the sales in your neighborhood to determine what the list price should be. These sales are driven by supply and demand. The west side of  Santa Cruz is in high demand. UCSC attract students and professionals that will drive the home values up. The homes values really go up when the supply is so low like it is now. You can expect your home to have multiple offers in the first week after you have a full weekend of open houses get ready to pick the best offer.

Highest and best offers due by Monday at 5PM

Buyers are ready to make a offer on a new listing right after the first  open house. Then the seller may take the best offers and put out  a multiple counter offer. This tells the buyers that they have one more chance to win the bid to buy this home.

Sellers have inspections ready for the buyers

These homes have had all the recent inspections done for the buyers. The buyer can always have their own inspections if they win the bid. The reason the sellers provide these reports is to have full disclosure that the buyers can make a great as is offer.



Coming Soon! 1232 Parkington Ave Sunnyvale CA 94087 |Home for Sale

Looking for your own peaceful nook that is in proximity to downtown Sunnyvale?

Search no more, for this home for sale in Sunnyvale could be what you are looking for.

Tucked in the beautiful and tree-lined street of Parkington Ave., you will find this single family home with 3 bedrooms and 2 baths.

Standing on a 1,120 square foot lot and built in 1955, this home is charming and unique.

Like many other homes built in the 50’s, it’s got the character and details of an older home, but also equipped with the modern conveniences necessary for daily living.

Grab the opportunity to live near high-tech companies and offices!

Located in the heart of Sunnyvale is the Cherry Chase neighborhood.

Peaceful, friendly and clean, this place is one of the locally sought-after neighborhoods because of its convenient location.

This neighborhood is just a few minutes away from Downtown Sunnyvale and is close to various high tech companies including Apple, Google, LinkedIn, Juniper Network and Cognizant.

If you have kids, this Sunnyvale home for sale is just a six minute walk to Cherry Chase, a public elementary school, and a seven-minute drive to the nearest private school.

It is also close to restaurants and shopping center so when you feel like eating out, you can just go anytime and not be hassled by long distances and traffic.

You are never too far from anything when you live in Cherry Chase.

Be embraced by the inviting and cozy living room.

To enter this home, you pass through an inviting courtyard with wisteria, roses and trees. These plants provide a wonderful natural camouflage to the home’s entrance, giving it a sense of seclusion and privacy.

Step into a welcoming and cozy living room with hardwood floors, floor to ceiling windows and a fireplace.

The open floor plan of the home makes the living area look bigger, and the big windows allow natural light to stream in, making the room brighter.

This home, with its glass windows, has a very inside/outside casual living vibe.

The living area is a great spot for relaxation and entertainment,

As an Eichler style home, one of its distinctive features aside from the floor to ceiling windows is that of the wood beam ceilings.

In this home, the wood beams add a certain style to an otherwise regular living area.

Show off your cooking skills in this home’s stylish kitchen

Display your amazing cooking ability in this Sunnyvale home for sale’s kitchen, which is a sophisticated merge of wood and steel.

Newly remodeled and installed with new appliances and cabinets, you will surely enjoy spending time here, preparing delicious meals for your family.

The backsplash of cool gray tiles presents a lovely contrast to the warmth of the mahogany cabinets.

You won’t run out of storage space in this kitchen as there are loads of cabinets installed.

An attached breakfast bar serves as a wonderful dining area at the same time.

Get some much needed sleep in your own bedroom.

This Sunnyvale home has three bedrooms, any of which can be yours to turn into a private retreat.

What can be best to do after a long day of work is to lie down on soft, cool bed and sleep the stress and worries away.

Other features of this home are the detached 2 car garage, two side yards and a backyard with shed, providing you more space and storage.

I can help you get the home you’ve been dreaming of. Whether it is at the city or near the beach, you can use my talent and network to find the home that best suits you. Look me up at

This is a beautiful home in an amazing location, so don’t miss this chance.

Call me, Sandy Wallace, at 831-818-7099. I can help you find homes with the best location in the Sunnyvale and Sta. Cruz areas. I have been in the real estate business for 30 years now and I have always made it a point to help my clients make their dreams come true.

Dream Homes to Match your Lifestyle

LifestyledListings is a place that you can search for homes that match your lifestyle. It really gives all of us a chance to dream about all the places you can live and start a lifestyle where you do the great things you might like to do.

lifestyle Homes in Santa Cruz

lifestyle Homes in Santa Cruz

Finding a Sustainable Lifestyle

I just sold a manufactured home in Scotts Valley for $350,000. The sellers are right now as I write this, driving to their 43 acres farm in Sand Point Idaho. They paid about $150,000 for this. They are both retired and they are starting their new sustainable lifestyle. They are going to raise sheep and she will have a workshop with her loom to make wool rugs. They are also certified beekeepers and they will have sweet honey.

Sunset in the Avenues to Twin Lakes Beach by the Yacht harbor August afternoon just before sunset...

Their son Toby already lives on the farm and is a REALTOR – PERMACULTURE DESIGN CONSULTANT. He has designed a sustainable landscape that will feed the animals, trees and the land. Isn’t that cool. I love this story about a new life and a new lifestyle for people to realize all the possibilities in this world. lifestyled listings is a place where you can dream and look forward to a lifestyle that only you can imagine. What are you going to do when you retire?

60% of Americans would consider relocating in retirement, would you?


Your Real Estate Needs in 2017

Elegant Ocean View home just steps to the sand!  Located on a private, gated street right by the beach.
I wanted to pass along that the chief economist for the National Association of Realtors recommends that if a home purchase is on your list of things to accomplish in 2017, whether that is for investment, vacation, relocation, or down/up sizing, that you start your search early. (*I’m sharing a great tool to get you started at the bottom of this email!)
3 Reasons to Get Started Now
  • You have much less competition from other buyers at the beginning of the year and inventory is only slightly lower than the “busy season” that usually starts in the spring
  • Mortgage rates have already increased but many believe that they will rise as much as 3/4 of a point by the end of the year resulting in almost 10% increase in mortgage payments if you wait
  • Planning is the key to success. You don’t want to find the perfect home and realize you haven’t prepared to take action and the opportunity slips by
Start discovering!
Though I present myself as an expert in the local market, I can really help you make your home buying dreams come true no matter where you end up. Most of you will at least consider other locations just to see what your options are, and you should.
That is why I am sharing a special search tool for you to explore homes and markets anywhere in the U.S that is specifically designed to help you start the searching process. You can easily discover new cities and towns that fit your lifestyle just by entering the activities, geography, weather, community features, views, and home preferences! This is a great place to start your searching especially for retiring, vacation properties, relocation, or if you’re just interested in a change of pace.
Have you seen a home search like this? Try it now
And gives you results like this:
What are you waiting for? Give it a try!

A Little Dreaming for the Holiday Home that fits your Lifestyle

Here’s something new and fun to try while friends and family are around for the holidays. This can range anywhere from pure fun to actually discovering a vacation home you never thought you’d consider. You never know what you can find! Parents retiring and considering a move? Have them take a quiz! Family considering a shared vacation home? Take a quiz!
You’ll get 10 questions that start with whether you want to consider the whole U.S, a specific state, or an area around a certain city. Then, fill in your basics like price range and bed/bath and get to the fun stuff like what activities you love, your ideal weather, community qualities, views, and home features. Your results will be up to 50 cities that best match your lifestyle and the home there that are closest to your preferences.
Lifestyles around the world

Lifestyles around the world

Want a sneak peak of some results? (click image or link to view results)

Best ski-condos under $500k across the U.S

Beach Front Condos to escape winter


Lifestyles for active people

Hike, fish, and play golf in the outdoors under $300k
Have fun dreaming up your next home over the holidays and share it with your friends who might enjoy this too.
As always I strive to be your trusted resource with anything related to your home no matter what it is, how far ahead you’re planning, or where you’re planning to go. If I don’t have the answers myself I can connect you to the professionals and resources that I trust.



Oceanview Homes for Christmas and New Years 2016

Sunset in the Twin Lakes Beach by the Yacht harbor August afternoon just before sunset...

Santa Cruz Vacation Home-a Gift to the whole Family!

I have noticed so many ocean view and ocean front homes are selling every year around Christmas and New Years! It’s a perfect Christmas gift to your self and the whole family. People and family’s come to Santa Cruz and stay at one of our many vacation rental homes. Lifestyles for people that like to surf, hike and be at the beach in Santa Cruz.

The view from West Cliff Drive Oceanview Ocean Front Homes

The view from West Cliff Drive Oceanview Ocean Front Homes

In places like West Cliff Drive on the West side of Santa Cruz, The Yacht Harbor area by Twin lakes Beach, The Avenues and Sunny Cove Beach, Pleasure Point Beach-greatest surf spot around and very friendly locals, Rio Del Mar in Aptos the famous little vacation land and so on down the coast.

The view from West Cliff Drive Oceanview Ocean Front Homes

Here is just one example 336 Coates Drive in Aptos 95003 Listed on 12/26/2016 for $1,049,500 and is pending now on 12/27/2016 dues to close on 1/9/2017

Ocean Front home in Seacliff

Ocean Front home in Seacliff

Seacliff Beach neighborhood…just a stones toss to the sand on the beach. Cute and cozy, and as charming a little beach cottage. Lot size is 4,966 sq.ft. this is a large size lot for this oceanfront location. Ocean view and bay view lot.

Start here on the path to the Beach

Start at the Beachgate Trail, with access to miles of sandy beach. Become a collector of seashells and sea glass. This is the best beach for finding artistic driftwood.  Watch the mesmerizing Sunrises and sunsets from the bench at Seacliff State Park. Close to major shopping and commuter roadways. Marianne’s Ice Cream, Sno-White Drive In and Manuel’s Restaurant are around the corner. Truly a great Christmas gift for the whole family!!!

Click Here is a list of some homes with views in West Side Santa Cruz, Live Oak, Aptos, Rio Del Mar.

Seacliff and Rio Del Mar Beach in Aptos

Seacliff and Rio Del Mar Beach in Aptos



Ocean View Home in Seacliff Beach for Sale

This Seacliff Beach Home is right above the long Sandy Beach. You will see that is has a spectacular ocean view from the floor to ceiling windows in the living room and from the deck...

It’s another beautiful fall day in Santa Cruz! I went to preview this home in Seacliff Beach for a client of mine and took these pictures and a video. It is a Ocean View Home in Seacliff Beach for Sale. The home is right above the sand on Seacliff Beach as you will see it has a spectacular ocean view from the floor to ceiling windows inside and the deck outside.

Ocean View Home in Seacliff Beach for Sale

Ocean View Home in Seacliff Beach for Sale

You can see the surf at Pleasure Point the Capitola Wharf and all the way to the south and The Monterey Bay. You know we have a sanctuary off this coast of the Pacific Ocean so the wildlife is protected. Just imagine sitting on your deck in the morning listening to the wave on the beach below.

Ocean View Home in Seacliff Beach for Sale

Ocean View Home in Seacliff Beach for Sale


731 Oakhill Road, Aptos 95003
Original List Price: $2,595,000 on 08/09/2016
The New List Price: $2,495,000 on 10/18/2016
New Consturction

Beds: 2
Baths: 2.5
Approximately 2,322 SqFt Living Area
Approximately 8,799 SqFt Lot
Year Built 2016
County: Santa Cruz
Area: 47 – Seacliff
Single Family Residence

Living Room with a Big Ocean View

Living Room with a Big Ocean View

This is brand new construction at the end of the road just off Seacliff Dr. It almost a private road because there are very few homes at the end of this road. It is a Spanish Mediterranean Style home.

Ocean View Home in Seacliff Beach for Sale

Kitchen upstairs with the ocean view!

There is a elevator from the garage to the bedrooms and on up to the kitchen and living. The living room has floor to ceiling windows to capture the entire ocean view.

Ocean View Home in Seacliff Beach for Sale

Ocean View from the deck

You can walk to the beach in about 3-5 minutes and be right on the sand in Seacliff State Beach.
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Directions: Aptos is a little unincorporated village in Santa Cruz County. From Highway 1 take State Park Drive exit go turn towards the ocean and go over railroad tracks. At the stop sign turn right; stay on Seacliff Dr. West till you come to Oakhill Road

For more helpful ideas on buying or selling Santa Cruz homes, visit
Call Sandy Wallace today at 831-818-7099. Her professional and expert knowledge of the local housing market in and around Santa Cruz CA will help you towards a successful home sale.
Sandy Wallace
1414 Soquel Ave #100 Santa Cruz, CA 95062
(831) 818-7099 call/text

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