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Valerie Mishkin Realtor Bailey Properties

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United States
Santa Cruz, CA
Valerie Mishkin Realtor Bailey Properties

Realtor for Buyers and Sellers in Santa Cruz County California. Knows the area from Starter Homes, to Luxury, Land, Manufactured, HOAs, Coastal, and Rural.

Let's get you where you want be. Referrals appreciated. Valerie Mishkin is a world raised traveler, artist, maker, gardener, healthy lifestyle advocate, mother, grandmother, and student of everything and the interconnectedness of it all. Current community involvements: Santa Cruz Association of Realtors Board of Directors , Vice Chair Local Government Relations Committee, City of Santa Cruz Master

Recycler Program, Smart Coast California Board, Luna Eco At Gallery Board. Specializing foreclosure, short sale, green properties, land development. Serving Santa Cruz, Corralitos, Watsonville, Scotts Valley, Capitola and surrounding areas.

08/07/2026

Santa Cruz real estate disclosures: What sets our local process apart?

Standard California disclosure forms are just the starting point here, Santa Cruz buyers and sellers face unique layers thanks to coastal, mountain, and neighborhood specifics. Understanding the mix is key before you commit.

– Expect natural hazard and geologic risk reports alongside the statewide forms, especially for homes near the ocean or in the mountains.

– Disclosures for beach and bluff properties often include detailed notes on coastal erosion, bluff retreat, and any history of stabilization or monitoring.

– City and district rules drive sewer lateral requirements, so review every package for inspection reports or compliance notices that signal possible repairs.

– Older home inspections in this area regularly call out moisture, pest damage, and hillside movement, interpret these not just as routine fixes but as signals to ask for expert opinions.

– HOA documents here go well beyond basics; watch for sections on view protection, bluff safety, wildfire rules, and specific remodel limits.

– You’ll often find narrative seller statements and inspector comments that call out Santa Cruz’s coastal climate and terrain, these give context you won’t see in a generic disclosure.

– Local experience matters when sorting through these files; look for hands-on support to help you clarify risks and make confident decisions.

Have you ever uncovered a local issue in a disclosure that changed your mind? Save this post so you know what to watch for before your next offer.

Valerie Mishkin
Bailey Properties Inc.
DRE #02092111
831 238 0504
[email protected]

08/06/2026

Open House
1111 Ocean Street #204 Santa Cruz Condo
This Sunday 11-1
Modern and stylish condominium built in 2012, featuring one bedroom plus a dedicated office space, perfectly situated on the quiet side of the building with a spacious, sun-filled balcony overlooking Pogonip and surrounding hills. This thoughtfully appointed home offers soaring ceilings, granite countertops, an expanded kitchen storage cabinet with convenient full length cabinet of pull-out drawers, bamboo flooring, and a European-inspired bathroom complete with a heated towel rack. Additional features include energy-efficient dual mini-split heating and air conditioning with individual room controls, an on-demand water heater, interior laundry, and abundant natural light throughout. The secure building offers gated assigned covered parking, elevator access, a bicycle storage room, and controlled entry from both sides of the building. Ideally located with easy access to Highways 1 and 17, UCSC, Downtown Santa Cruz, the newly revitalized Riverwalk, shopping, dining, and miles of bike paths making it easy to enjoy the very best of the Santa Cruz lifestyle.

Valerie Mishkin
Bailey Properties Inc.
DRE #02092111
831 238 0504
[email protected]

07/31/2026

Looking for more room without the steep coastal price tag? Here’s why Watsonville keeps gaining ground with buyers seeking extra space:

Watsonville stands out in Santa Cruz County for accessible pricing paired with floor plans that deliver true flexibility, offering options that are increasingly hard to find in dense beach neighborhoods.
- Larger bedroom counts are standard, with many homes designed for households who want space to spread out.
- Flexible layouts and multi-use rooms make it easier to adapt spaces for home offices, wellness activities, or growing families.
- Compared to coastal enclaves, lot sizes in Watsonville allow for more private yards and indoor-outdoor living.
- Lower entry prices open the door to bigger homes or even move-up opportunities for buyers used to coastal constraints.
- Remote and hybrid work trends are pushing more buyers inland, where homes often provide more customizable spaces and privacy.
- Home searchers who value adaptability, garage storage, and modern great rooms find more attainable choices here than in compact coastal condos.
- Investors and end-users alike view Watsonville as a place where layout flexibility and affordability combine to offer both value and long-term potential.
More buyers are reevaluating what matters, prioritizing space, flexible use, and practical comfort over proximity to the sand.
What’s your top priority: square footage, privacy, or location? Let’s talk about what works best for your move.

Valerie Mishkin
Bailey Properties Inc.
DRE #02092111
831 238 0504
[email protected]

07/30/2026

Resilient Coast Santa Cruz 2.0 Project
The Resilient Coast Santa Cruz 2.0 Initiative is developing Shoreline Adaptation Management Plans, including a set of projects to prepare the coast for the next 20-30 years.

Join us to explore coastal resilience strategies for West Cliff, Main Beach, Cowell Beach, East Cliff, and Seabright Beach. Through an interactive tabletop exercise, you'll discuss options, consider tradeoffs, and share feedback to help guide future planning. This project is funded by the Ocean Protection Council.

Event Dates:
August 3, 2026 | 5:30–7:30 p.m.
London Nelson Community Center 301 Center Street, Santa Cruz
Focus Areas: Main/Cowell Beaches & East Cliff/Seabright

August 8, 2026 | 10:30 a.m.–12:30 p.m.
Bay View Elementary School 1231 Bay Street, Santa Cruz
Focus Area: West Cliff Neighborhood

Light refreshments will be provided. Registration is encouraged.

07/29/2026

Fire insurance in the Santa Cruz Mountains isn’t just about getting a policy, it’s about pairing the right plans to truly protect your redwood home.

Santa Cruz Mountain homes, especially in Boulder Creek, Felton, and Ben Lomond, often require a California FAIR Plan for wildfire coverage and a DIC policy to fill in what FAIR Plan misses, like theft or liability.
– Start insurance conversations early in your search and ask for seller policies so you know what’s possible for your address.

– Document all home hardening and defensible space work, insurers want to see real wildfire mitigation before quoting or binding coverage.

– CAL FIRE maps, local fire districts, and county hazard guides help you understand baseline wildfire risk before you fall in love with a place.

– Community programs, like Fire Safe Council and the Resource Conservation District, offer guidance to help you maintain insurability and manage long-term ownership costs.

– Participating in Firewise activities or maintaining discounts through the FAIR Plan home-hardening program can help keep costs manageable year after year.

– Every mountain property has unique insurance and maintenance demands, especially when it comes to moisture, trees, and private roads, so treat insurance as a key part of your due diligence, not a box to check at the end.

Have you found the insurance side of mountain home buying more complex than expected? Save this guide for your next step or share it with a friend searching in the redwoods.

Valerie Mishkin
Bailey Properties Inc.
DRE #02092111
831 238 0504
[email protected]

07/27/2026

The step-by-step Santa Cruz County homebuying flow locals rely on:

Here’s the real sequence buyers follow from first steps to getting keys in hand, tuned for our coastal and mountain neighborhoods, bookmark these for your next move.

– Local lender pre-approval is your starting line; gather income and employment documents before you house hunt. Knowing what you can afford is your first step.

– Start your Santa Cruz property search with your budget, then filter by neighborhoodand risks, think coastal bluff, mountain slope, or townhome, condo rules.

– Make offers with proof of funds ready; sellers want proof of funds with offers.

– Once your offer’s accepted, escrow opens fast, verify wiring instructions and send the deposit right away.

– Inspections and appraisal can happen together; expect general home, pest, and required inspections for septic, well, sewer lateral..

– Scrutinize disclosures, HOA docs (for townhomes, condos or manufactured parks), and title reports during contingencies, this is when you decide if the home still fits. Give yourself time to review all disclosures and get additional consultations as needed.

– Closing isn’t just signing, your escrow team coordinates funding, clears last-minute questions, then records the deed at the county before handing you the keys.

Save this if you want a reference you can pull up at every step, or send it to a friend thinking about buying here.

Valerie Mishkin
Bailey Properties Inc.
DRE #02092111
831 238 0504
[email protected]

07/17/2026

SB9 in Action:
This is the results. An urban lot split alowing for an ADU on each lot. Making the original property a flag lot now.

Welcome to this exceptional brand-new construction in the Santa Cruz Gardens neighborhood, offering modern design, quality craftsmanship, and versatile living options. The property features a spacious 4 bedroom, 3 bathroom Main House (Unit A) and an attached 2 bedroom, 2 bathroom ADU (Unit B), ideal for multigenerational living, guests, or rental income. Thoughtfully designed with high-end finishes throughout, the homes offer bright, open living spaces, stylish kitchens, high ceilings, and comfortable accommodations. Enjoy a low-maintenance yard that makes it easy to relax outside and the ability to easily add a first floor 5th bedroom. Park multiple vehicles with a finished 2 car garage and large driveway. Located just steps from Winkle Farm Park, this rare new construction opportunity combines contemporary comfort, flexibility, and a prime Santa Cruz location.

Open House Schedule:
07/18/2026 1:00PM-4:00PM Host: Nick Matiasevich
07/19/2026 12:00PM-3:00PM Host: Nick Matiasevich
07/26/2026 1:00PM-4:00PM Host: Valerie Mishkin

Valerie Mishkin
Bailey Properties Inc.
DRE #02092111
831 238 0504
[email protected]

07/15/2026

Here’s what shaped Measure C and what it means for sellers:

As of July 1, Measure C is officially in effect to address housing affordability and homelessness prevention. For those selling property within the city of Santa Cruz, here is what that means for your bottom line at the point of sale:

– Point of Sale Cost: For sellers of high-value properties, Measure C introduces a tiered transfer tax. Transactions above $1.8 million now incur a higher tax rate at the close of escrow, with those funds feeding directly into local housing initiatives.
Tax Rates:

The tax is based on the property’s sale price as a progressive marginal tax:

Under $1.8 million: No new tax, the old transfer tax applies.
$1.8M – $2.5M: 0.5%
$2.5M – $3.5M: 1.0%
$3.5M – $4.5M: 1.5%
Over $4.5M: 2.0%

Maximum tax per transaction: $200,000

– Local Impact: Every dollar raised stays within Santa Cruz to support local workforce and low-income housing, ensuring the community benefits directly from the market's strength.

– Strict Dedication: Funds are legally locked into the Affordable and Workforce Housing Fund for the construction, preservation, and rehabilitation of units, as well as homelessness prevention services.

– Annual Contribution: In addition to the transfer tax at the point of sale, all parcels are subject to a $96 annual tax to provide a dedicated, local funding stream.

Thinking about how these July 1 changes might affect your real estate strategy or neighborhood? Save this guide for reference, and share your questions or takeaways below.

Valerie Mishkin
Bailey Properties Inc.
DRE #02092111
831 238 0504
[email protected]

07/14/2026

The Senate and the House, reached an agreement on a comprehensive bipartisan housing package, the 21st Century ROAD to Housing Act. On June 22, 2026, the Senate passed the bill 85-5 and the following day the House passed the bill 358-32. July 11, 2026 it became law without the Presidents signing.

The legislation is aimed at encouraging home construction, expanding access to financing and restricting purchases by large institutional investors.

The final version of the bill largely reflects the previous House amendment to the Senate’s 21st Century ROAD to Housing Act with a few notable compromises:

It adds six sections only included in Senate legislation to date, with some adjustments, including provisions to lift the Rental Assistance Demonstration (RAD) program cap by 100,000 units, authorize the Community Development Block Grant Disaster Recovery (CDBG-DR) program for three years, and authorize a new Moving to Work (MTW) program cohort.

Nine community banking sections were included in the final version of the bill.

The bill restricts institutional investors from buying single-family homes, including an exception for build-to-rent properties and the establishment of a renter outreach resource at the Department of Housing and Urban Development (HUD) for tenants of properties owned by institutional investors.

The final bill incorporates provisions from over 60 pieces of legislation introduced in the House, Senate, or both chambers—36 of which were introduced with bipartisan sponsors, including many bills supported by the Bipartisan Policy Center BPC and BPC Action.

Keep following for more insight into how this will affect home ownership opportunities over the next few years.

Valerie Mishkin
Bailey Properties Inc.
DRE #02092111
831 238 0504
[email protected]

07/08/2026

Luna Eco Arts Gallery and Studio
As a Board member I value the subjects, collective artist and community that comes together here. I encourage my friends and community to come see fine art and meet others in a place that celebrates our common values.

Next - opens July 11
The Art of Independence: Celebrating 250

July 11, 2026 – August 15, 2026
Reception 7/11 and 8/15, 5 – 7 pm

Celebrating the declaration of Independence through art that examines the efforts to preserve our democracy in our 250th year.
Printmaking, painting and quilts and other media by artists from the Central Coast of California.
image by Melissa West

Location & Hours

107 Suite B The Alameda
San Juan Bautista, CA 95045
831.623.ARTE

Monday Closed
Tuesday Closed
Wednesday Closed
Thursday Closed
Friday Closed

Saturday 12:00pm - 4:00pm
(Until 7:00 pm every 3rd Sat of the Month)
Sunday 12:00pm - 4:00pm

By Appointment: +1-831-623-2783

Address

1602 Ocean Street
Santa Cruz, CA
95060

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 5pm
Sunday	9am - 5pm

Telephone

+18312380504

Website

https://valeriemishkinrealtor.com/

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