Under $1 million in Santa Cruz? It exists, and it comes with endless possibilities. This cute two-bedroom sits on a generous lot right between 41st and Dominican, giving you that central Santa Cruz location without the central Santa Cruz price tag. The fenced backyard provides immediate privacy while the lot size whispers expansion potential to anyone with vision. Perfect for first-time buyers ready to build equity instead of paying rent, or savvy investors who understand that Santa Cruz properties under seven figures dont stay available long. New dishwasher and fridge handle the immediate needs while you plan your next strategic moves. Room for an ADU means rental income potential that could help carry the mortgage. Room to expand the house means your starter home doesnt have to stay small forever. The lot gives you options most Santa Cruz buyers only dream about finding. Centrally located means everything Santa Cruz offers stays within reach while you build wealth instead of just paying someone elses mortgage. Sometimes the best investments dont look flashy from the street – they just offer opportunity disguised as affordability. When you find a Santa Cruz property with this much potential under $1 million, you move fast.