Experience the Santa Cruz lifestyle at 116 Monterey St, steps from iconic West Cliff Drive. This delightful 3 bed/3 bath Mediterranean home offers stunning ocean views, the soothing sound of waves, and fresh sea air. A permitted 1 bed/1 bath ADU at 118 Monterey St is ideal for guests or rental income. For those who love to cook, a spacious Chef's Kitchen with Wolf Range and large kitchen island will feed your family for years to come. Surf, SUP, or swim at Cowell's, and then come home to soak in your jetted spa tub in the luxurious primary bathroom. Cool fog and ocean breezes create a refreshing vibe, while sunrises grace the front windows and sunsets glow from the balcony. Relax in the hot tub under starry skies or gather around the backyard fire pit. The ADU, a successful vacation rental, attracts wonderful guests and generates income with it's own private balcony atop a 2-car Mechanic's Garage. There's even a built-in vaccuum to get the sand out of your car! Steps from Steamer Lane and race starts like Wharf to Wharf, this home is a coastal gem. Enjoy music, wine tasting, or a meal at the historic Santa Cruz Wharf. Monarch butterflies flutter year-round, and the nearby community garden is great for birdwatching. Embrace this coastal retreat, and schedule a tour today!