For sale Home

Listed Oct 18, 2026

$1,145,000 Est. $7,573/mo

546 Monterey Drive

  • 3

    Beds

  • 3

    Baths

  • 2,063

    Sq ft

The story

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.

Facts & features

Home type

Home

Year built

1983

Floors

2

Price per sq ft

$555

Parking

2-car garage

Included features

  • Fireplace

    Yes

  • Cooling

    Ceiling Fan(s)

  • Heating

    Forced Air

  • Roof

    Composition Shingles

  • Water Source

    Public

  • Sewer

    Public Sewer

Mortgage calculator

Estimated monthly payment

$7,573 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $6,094
  • Property tax $1,145
  • Insurance $334

Includes principal, interest, taxes & insurance.

Your Property Journey

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Listing Broker

Coldwell Banker Realty

Broker Name

Coldwell Banker Realty

Agent

Bettsy Tyler