39 photos · MLS data verified August 3, 2026 · Updated every 15 min
$815,000Active
3 Beds·2 Baths·1,218 sqft·N/A sqft lot·Built 1978
163 Harbor Oaks CIR, Santa Cruz, CA 95062
Listed 20 days ago · July 14, 2026 | MLS# ML82053360
$669/sqft -31% vs Santa Cruz avg
What this means: Priced below the Santa Cruz per-sqft average. Compare to recent sales below for context.
Est. $5,922/moP&I $4,229 · Tax $849 · Insurance $262 · HOA $582Assumes 20% down ($163,000) at 6.75% · Contact Timothy for a lender referralAegis Luxury Real Estate is a licensed California real estate brokerage (DRE# 01328224) and is not a mortgage lender, mortgage broker, or loan originator. The figures shown are estimates for general reference only and do not constitute a loan offer, pre-approval, pre-qualification, or commitment to lend. Estimates use the applicable county average property tax rate of 1.25% of home price annually. Actual rates, payments, taxes, and insurance vary by lender and borrower qualifications. Contact Timothy for a referral to one of our preferred lending partners.
Active listing in Santa Cruz, Santa Clara County. Convenient access to schools, parks, and Bay Area employment centers.
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3 Bed / 2 Bath / 1,218 sqft on N/A sqft Lot
Spec sheet at a glance. See full details below for interior, exterior, and lot features.
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Listed at $815K vs City Average $1.8M
$669/sqft compared to Santa Cruz avg $964/sqft (-30.6%).
Best fit forActive BuyersSanta Cruz SearchersMove-Up / Move-In
About This Home
Move in ready! Back part of Harbor Oaks, quiet and serene close to private gate entrance to Jose Park. Remodeled with new flooring, appliances, kitchen, lighting, paint and garden. Close to yacht harbor, trails, great commute location and community has a pool, green belts and lots of parking. 8 storage closets surround the 2 carports spaces with a door directly into your cute , enclosed backyard patio.
MLS ID #ML82053360, Rebeca Finn. Listing provided by David Lyng Real Estate · MLSListings Inc.
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Property Details
Property Type
Condominium
Year Built
1978
Bedrooms
3
Bathrooms
1 Full, 1 Half
Living Area
1,218 sqft
Lot Size
N/A sqft
Garage
N/A
Price/sqft
$669
County
SantaCruz
MLS Number
ML82053360
Status
Active
Stories
N/A
HOA
$582/mo
Interior Features
CentralForcedAir
Exterior & Lot
Composition RoofPool
Location
This HomeActive ListingNew (3 days or less)Price ReducedOpen HouseSold
163 Harbor Oaks CIR, Santa Cruz, CA 95062 · SantaCruz County
Market Context
Price Positioning
$Price context: Listed at $669/sqft vs Santa Cruz avg $964/sqft (30.6% below).
$Sale-to-list: Santa Cruz homes selling at 101.0% of asking.
⏲Velocity: City avg 28 days. This home: 20 days.
🏠Inventory:42 3-bedroom homes currently available in Santa Cruz.
Source: MLSListings Inc. Timothy Alston, Broker, DRE# 01328224.
Want to know what this home will actually sell for? Get a data-backed offer range based on recent comparable sales.
Buyers and sellers researching LiveOak in Santa Cruz will find 163 Harbor Oaks CIR to be a strong reference point. Listed at $815,000, this 3-bed, 2-bath home sits in a market where comparable properties average $964 per square foot. Homes in Santa Cruz (95062) are currently averaging 28 days on market.
3-Bedroom Homes for Sale in Santa Cruz 95062
Browse 3-bedroom condominium listings in the LiveOak area of Santa Cruz. Properties in 95062 are currently averaging $964 per square foot with 28 days on market.
What to Expect When Buying in LiveOak
The LiveOak market in Santa Cruz features a mix of condominium properties ranging from starter homes to luxury estates. Current inventory levels suggest active conditions for buyers in this area.
Listed at $815,000 ($669/sqft). Santa Cruz avg is $964/sqft, placing this 30.6% below. Comparable recent sales help frame the value.
Listed 20 days (as of July 14, 2026). Santa Cruz average is 28 days.
Est. $5,922/mo with 20% down ($163,000) at 6.75%. Includes principal & interest ($4,229), property tax ($849), and insurance ($262). HOA: $582/mo. Aegis Luxury Real Estate is a licensed California real estate brokerage (DRE# 01328224) and is not a mortgage lender, mortgage broker, or loan originator. The figures shown are estimates for general reference only and do not constitute a loan offer, pre-approval, pre-qualification, or commitment to lend. Estimates use the applicable county average property tax rate of 1.25% of home price annually. Actual rates, payments, taxes, and insurance vary by lender and borrower qualifications. Contact Timothy for a referral to one of our preferred lending partners.
There are 163 active listings in Santa Cruz (42 are 3-bedroom). At $815,000 this is positioned against the city average of $1,791,662. Similar homes have sold at 101.0% of asking.
3-bedroom homes in Santa Cruz (95062) are currently averaging $964 per square foot. Market activity shows homes spending an average of 28 days on market in this area.
163 Harbor Oaks CIR in Santa Cruz is currently listed at $815,000. This 3-bedroom, 2-bathroom condominium is located in the LiveOak area.
The data relating to real estate for sale on this display comes in part from the Internet Data Exchange program of the MLSListings™ MLS system. Real estate listings held by brokerage firms other than Aegis Luxury Real Estate are marked with the Internet Data Exchange icon (a stylized house) and detailed information about them includes the names of the listing brokers and listing agents.
Based on information from the MLSListings MLS as of Aug 3, 2026 5:00 PM PT. 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.
These statistics are generated using information from the MLSListings Inc. multiple listing service, but have not been verified and are not guaranteed. MLSListings Inc. disclaims any responsibility for the accuracy and reliability of these statistics. This information should not be relied upon for real estate transaction decisions.
Data updated every 15 minutes. Visit www.MLSListings.com for more information.
Information provided is for general informational purposes only. Equal Housing Opportunity. If you are currently working with a real estate agent, this is not intended as a solicitation.
Timothy Alston, Broker, DRE# 01328224, Aegis Luxury Real Estate, 10080 N. Wolfe Rd Ste SW3-200, Cupertino CA 95014. (408) 207-4593.
Last updated: Aug 3, 2026 5:00 PM PT | Source: MLSListings Inc.
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