keepup
1103 Mission St
Score
76
Santa Cruz, CA

1103 Mission St

899K
3 bd • 2 ba • 1,706 sf

Educational Use Only — NOT professional advice. See terms

AI Property Analysis

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Property Overview

List Price
$899,000
-24%vs 95060
Price/Sq.Ft
$527
-33%vs 95060

Price Analysis

How the list price compares to AI estimate

16.9% below

List Price

$899,000

$1082k
$1149k
AI Estimated Range
$899,000
-20% Below+20% Above

AI estimates this property's value between $1,081,925 - $1,148,505 based on comparable sales and condition (Confidence: 76%). Educational analysis only, not a professional appraisal or valuation.

Market Data Points

5 data points for educational exploration

*Educational market data analysis only. Consult licensed real estate professionals for negotiation strategies and market advice.*

Offer Analysis

AI-generated starting point for educational purposes

Data Coverage: High

AI Suggested Starting Point

$1,081,925

Targets the lower end of recent sale outcomes observed between $1,081,925 and $1,148,505.

How This Was Calculated

The offer matches the lower bound of the educational range, accounting for $68,000 of necessary renovations, a -46% price‑per‑sqft delta, and the modest flood‑risk premium. The 17‑day DOM and slight oversupply give the buyer negotiating room, while the PA zoning adds upside potential that justifies a serious but disciplined bid.

AI-generated educational analysis. Not professional advice, an appraisal, or a recommended offer. Consult licensed agents and attorneys for negotiation strategies.

AI Analysis Score
76
68
Home Condition
75
Natural Light
87
Market Data
68
Location

*AI scoring for educational purposes only. Scores are subjective and not professional evaluations. Consult licensed professionals for property assessments.*

Visual Insights

AI-analyzed spaces with reimagining capabilities

Dated Bathroom
Dated Bathroom

Dated Bathroom

The bathroom has original tile, fixtures, and finishes, which are worn and aesthetically outdated.

Garage Condition
Garage Condition

Garage Condition

The garage appears unfinished with exposed framing and a worn concrete floor, lacking insulation and proper finishing.

Cracked Driveway
Cracked Driveway

Cracked Driveway

The driveway has visible cracks and wear, affecting curb appeal.

Renovation Assessment

Prioritized renovations based on property inspection and market impact.

High Priority Renovations

$25,000

Bathroom Fixtures and Tile

$10,000
High

Kitchen Cabinets and Countertops

$15,000
High

Note: these are rough estimates. For more accurate estimates, please contact a professional.

Pricing History

Historical pricing trends for this property

Monthly Costs

Interactive breakdown of estimated monthly expenses

Monthly Cost
$0123456789012345678901234567890123456789
$899,000
-30%List: $899,000+30%
20%
$179,800of $899,000
7%
1%15%
* Estimates based on a 30-year fixed mortgage. Property tax rate: 1.2%, Home insurance: $3,776/year

Upfront Transaction Costs

Estimated costs due at closing, including down payment and fees

Total Due at Closing
$239,585
Closing Costs
+$59,785
Down Payment
$179,800
Buyer Agent Fee
$22,925
Loan Fees
$7,192
Title & Escrow
$5,394
Inspections
$900
Transfer Tax
$9,889
Prepaid Expenses
$13,485

* Estimated costs based on typical rates. Actual costs may vary by location, lender, and transaction details.

** Buyer agent fees are negotiable and may sometimes be covered by the seller.

Buyer Power Index

5
/10
Limited Data Buyer Power
Market Speed
17 days
vs 52 day average
This home has been listed for 17 days, while homes in this area typically sell in 52 days
Inventory Health
75
homes for sale
27 homes sold last month, indicating 2.8x more supply than demand
Price Dynamics
99.6%
of asking price
Homes typically sell for 0.4% below asking price

*Market analysis for educational purposes only. Historical data may not predict future performance. Consult real estate professionals for market guidance.*

Price Trajectory

$1,437,500
Current median price
-9.3%
Year over year
Cooling
Heating
Market favors buyers
Market favors sellers
Historical Data: data suggests stability
Prices are up 1.8% over the last 3 months
3 Months
+1.8%
6 Months
+10.0%
1 Year
-9.3%

Historical price trends for educational purposes only. Past performance does not predict future results. Consult professionals for market forecasts.

Historical Market Pulse

Key metrics over time, revealing market momentum and patterns

Negotiation Insight

Home sales increasing 72.5% over the past 3 months suggests stronger seller position.

Historical Comparison
Current Value
$1,437,500
3 Months Ago
$1,069,750
+34.4%
Subject Property
Comparable Sales
View on Zillow

Subject Property

Price
$899,000
Price/sqft
$527
Layout
3 bd2 ba
Days on market
17 daysat time of analysis

Stats in the Area

Based on 6 comparable properties nearby

Average Price

$1,585,556

43.3%

Your price is 43.3% below average

Median Price

$1,650,000

45.5%

Based on 6 recent sales

Price per Sq.Ft

$976

46.0%

Your price is 46.0% below average $/sqft

Comparable Properties

512 California Avenue, Santa Cruz, CA 95060
Price: $1,683,333
Sq.Ft: 1,467
Beds/Baths: 3/2
$/Sq.Ft:
$1,147117.8%
Sale Date: 9/9/2025
209 Calvin Place, Santa Cruz, CA 95060
Price: $1,500,000
Sq.Ft: 1,459
Beds/Baths: 3/2
$/Sq.Ft:
$1,02895.1%
Sale Date: 9/3/2025
712 California Street, Santa Cruz, CA 95060
Price: $1,810,000
Sq.Ft: 1,759
Beds/Baths: 3/2
$/Sq.Ft:
$1,02995.3%
Sale Date: 7/16/2025
103 Calvin Place, Santa Cruz, CA 95060
Price: $1,650,000
Sq.Ft: 1,863
Beds/Baths: 4/2
$/Sq.Ft:
$88668.1%
Sale Date: 8/5/2025
208 Coulson Avenue, Santa Cruz, CA 95060
Price: $1,220,000
Sq.Ft: 1,772
Beds/Baths: 4/2
$/Sq.Ft:
$68830.7%
Sale Date: 7/10/2025
411 Alta Vista Dr, Santa Cruz, CA 95060
Price: $1,650,000
Sq.Ft: 1,535
Beds/Baths: 4/2
$/Sq.Ft:
$1,075104.0%
Sale Date: 7/30/2025

Schools

Details about nearby schools in this area

Climate Risks

Assessment of climate-related hazards for this property

Major Risk Profile

This property has 0 severe, 1 major, and 1 moderate risk factors

Climate risk data is based on historical patterns and projections. Consider consulting with insurance providers and local experts for property-specific assessments.

Safety Analysis

54/100
Average

Based on data from Santa Cruz Police Department

Total Crime Rate
1926.8
per 100,000 residents
Violent Crime Rate
351.0
per 100,000 residents
Property Crime Rate
1544.8
per 100,000 residents

Crime Rate Comparison

Recent Crime Trends

2022
Violent Crimes
447
Property Crimes
2,266
2023
Violent Crimes
404
9.6%
Property Crimes
1,560
31.2%
2024
Violent Crimes
380
15.0%
Property Crimes
1,594
29.7%
2025
Violent Crimes
173
61.3%
Property Crimes
883
61.0%

Sunlight Analysis

Data provided by Shadowmap

Loading sunlight data...

Educational Tour Ideas

Educational suggestions for property tours

Inspect the basement (if applicable) for signs of water damage, mold, or structural issues.

Check the drainage around the property to ensure that water flows away from the foundation.

Inspect the kitchen and bathrooms for signs of water leaks, such as stains, mold, or damaged fixtures.

Smell for any unusual odors, such as mold, mildew, or gas leaks.

Take photos and videos of any areas of concern for future reference.

Educational Questions

Sample questions for educational purposes

Can you provide documentation regarding the commercial use requirements for the PA zoning, specifically regarding the potential for residential units?

What specific types of commercial uses are permitted under the PA zoning, and are there any restrictions on those uses that might affect the property's income potential?

Has the property experienced any flooding in the past, and if so, what measures were taken to mitigate future flood risk?

Are there any known issues with the foundation or structural integrity of the building, especially considering the age of the property and the flood risk?

Educational suggestions only. Consult licensed real estate professionals, home inspectors, and your agent for professional guidance on property tours and inspections.

Property Discussion

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