Boardwalk€749,6971/8 Ownership

Pacaso designed
5 Beds5 Baths358 sq mBuilt 2021

Savor year-long California summer vibes at this modern gem located just three houses from the waves.

Beach access
Access Cowell Beach and iconic surfing spot Steamer Lane.
Outdoor living
Dine al fresco in the outdoor area with fireplace and heaters.
Epic views
Start every morning with Pacific views from the bedroom.
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A year as a Boardwalk owner

There’s no time like the present to make memories with loved ones at your Pacaso
outdoor gatherings hosted on your patio
trips to your favorite winery
nights out with friends
new neighborhood friends

Take a look inside 120 Gharkey St

This home has been furnished and redesigned to meet our Pacaso Design Certified™ standards.
view of bird's eye view at 120 Gharkey St, Santa Cruz, CA 95060

Amenities you'll enjoy

Explore 3D Tour

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True ownership with flexible costs

As a Pacaso buyer, you can qualify for financing — an option typically unheard of for second home co-ownership. Pacaso works with partner financial institutions to offer competitive rates to qualifying individuals. For a little as 30% down with an interest-only loan, you can own at a lower cost.

Estimate your monthly financing

1/8 ownership financing


Make your move, on your terms

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    Love co-ownership, but decide your Pacaso isn't the perfect fit? Forget buyer's remorse. Within your first year of ownership, you can transfer to another Pacaso that better suits your needs, hassle-free.

  • icon contract


    Time to move on? You can set your price, tap into our marketplace of buyers, and sell quickly and easily. On average, Pacaso listings resell in less than 12 days, with a 12% gain.

  • Home and hand icon


    Own an amazing second home, but don't use it very often? Sell part of your home to Pacaso, and keep the amount of ownership that's right for you, from 1/8 to 1/2. Leave the management to us!


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Courtesy of - Pacaso Inc., Pacaso

All listings are represented by licensed independent brokerages.