For sale Home

Listed Oct 19, 2026

$3,950,000 Est. $26,126/mo

20 Plover Circle

  • 4

    Beds

  • 3

    Baths

  • 2,015

    Sq ft

The story

Where modern luxury meets the sea. Designed for effortless indoor/outdoor living, this home captures panoramic ocean views from Santa Cruz to the Monterey Peninsula. Sweeping ocean vistas fill the expansive deck, chef's kitchen, living room and luxurious top-floor primary suite, where a private balcony, sitting area and full bay window create a spectacular retreat. Wake to dolphins, whales and seabirds, unwind to the sound of waves, or take your morning meetings with the Pacific as your backdrop. Recently transformed by a nearly $2M renovation, this 4-bedroom, 2.5-bath home is in truly like-new condition, combining privacy, impeccable quality, high-end design and generous living space. A private walkway leads directly to a sandy beach, just steps from the ocean- perfect for long walks and endless play. Set within a gated community with pickleball/tennis courts, basketball courts and an on-site fire station. The home also enjoys the rare advantage of being oceanfront without the high-risk flood zone designation. With the potential for short-term rental income without the waitlist, this an opportunity to generate revenue when not in use. Just over an hour from Silicon Valley, this is more than a 2nd home- its an escape to an extraordinary way of life, at the edge of the Pacific.

Facts & features

Home type

Home

Year built

1980

Floors

3

Price per sq ft

$1,960

HOA

$1,945 / quarterly

Included features

  • Flooring

    Tile, Wood

  • Water Source

    Public

  • Sewer

    Sewer - Public

  • View

    Water, Mountain

Mortgage calculator

Estimated monthly payment

$26,126 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $21,024
  • Property tax $3,950
  • Insurance $1,152

Includes principal, interest, taxes & insurance.

Your Property Journey

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Listing Broker

Christie's International Real Estate Sereno

Broker Name

Christie's International Real Estate Sereno

Location

Santa Cruz CA 95065