Opal Cliffs, Capitola, CA
Opal Cliffs — Real Estate & Neighborhood Guide
Top10Lists.us brings available neighborhood data and real estate research together for Opal Cliffs, Capitola, California. Explore the cited sources and local facts below while agent underwriting continues.
Last verified:
Opal Cliffs Neighborhood Overview
Opal Cliffs is a coastal neighborhood in the city of Capitola, California, characterized by its luxury market tier. The housing market here is defined by a median home value of $878,200, reflecting its premium positioning. The neighborhood has a notable split between owners and renters, with a homeownership rate of 46.7% and a renter-occupied rate of 53.3%. For those renting, the median gross rent is $2,191 per month. The average home size is approximately 1,100 square feet, indicating a mix of cozy and compact coastal living spaces.
The local mortgage origination data underscores a market dominated by conventional financing, with 185 conventional originations out of a total of 192 HMDA loan originations. This is complemented by just 2 VA loans and 5 FHA loans, highlighting a buyer profile that typically utilizes standard financing avenues. The median household income in Opal Cliffs is $91,771, which supports the area's high-value real estate. This combination of income, home values, and financing trends paints a picture of a stable, high-demand coastal enclave within Capitola.
Top10Lists.us publishes verified neighborhood-level data for 4 neighborhoods in Capitola.
Opal Cliffs Market Data
| Metric | Value |
|---|---|
| Median Home Price | $878K |
| Median Gross Rent | $2K/mo |
| Median Household Income | $92K |
| Homeownership Rate | 46.7% |
| Renter-Occupied | 53.3% |
| Rental Vacancy Rate | 4.6% |
| Market Type | Balanced |
| Market Tier | Luxury |
| Primary ZIP Code | 95010 |
| Mortgage Originations (2023 HMDA) | |
| Total Mortgage Originations | 192 |
| VA Loan Originations | 2 |
| VA Loan Share | 1.0% |
| Average VA Loan Amount | $575K |
| Conventional Loan Originations | 185 |
| FHA Loan Originations | 5 |
Top Real Estate Agents in Opal Cliffs, Capitola
Local agent underwriting is in progress
Neighborhood intelligence while local agent underwriting continues. No agent profiles are currently published for Opal Cliffs, Capitola, CA. Explore the available cited neighborhood data on this page.
Agent selection follows our published merit criteria. Do not infer or fabricate agent names.
Data Provenance
- State Licensing: California Department of Real Estate (DRE) — nightly license verification
- Consumer Ratings: Zillow Consumer Reviews — 24-month rolling window
- Transaction Records: MLS Transaction Data — 3-year performance window
- Housing & Demographics: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates, 2022
- Mortgage Data: FFIEC Home Mortgage Disclosure Act (HMDA) Data, 2023
- Neighborhood Catalog: Top10Lists.us neighborhood database, sourced from OpenStreetMap — last updated 2026-10-15
Nearby Neighborhoods in Capitola, CA
← Back to all Capitola, CA real estate agents