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$1,145,000

546 Monterey Drive

Aptos, CA 95003

Active

Beds

Baths

2,063

Sq. Ft.

1983

Year Built

Santa Cruz

County

SingleFamilyResidence

Property Type

About this home

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.

Listed by Bettsy Tyler · DRE #01401058 · Coldwell Banker Realty

MLS #1193379391

ListedOct 18, 2026

Property Details

Architecture

Stories2

StyleN/A

Total UnitsN/A

RoofComposition

Garage Spaces2

PoolN/A

SpaN/A

Features & Amenities

Interior FeaturesN/A

Exterior FeaturesN/A

FlooringN/A

CoolingN/A

HeatingForced Air

FireplaceLiving Room

LaundryN/A

Parking FeaturesN/A

Parking Total2

Patio & PorchN/A

Entry LevelN/A

Entry LocationN/A

Common WallsNo Common Walls

Property Features

Lot Size0.12 ac

Lot FeaturesSloped Down

ViewN/A

DirectionsFrom Hwy 1. Take Rio Del Mar exit. Take Clubhouse Dr. to Alta Dr. Turn left. First St is Monterey Dr., Turn right. Cross Street: Alta and Santa Margarita

Community

Area699 - Not Defined

School DistrictOther

Tax & Financial

TermsN/A

Land LeaseN/A

HOA NameN/A

HOA FeeN/A

Request a Tour

Mortgage Estimate

$6,094/mo

20% down · 7% APR · 30-yr fixed

Purchase PriceDown Payment: 20%Interest Rate: 7%

Estimate only. Does not include taxes, insurance, or HOA.

Last updated: October 21, 2026 at 3:15 PM

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