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Santa Cruz Beach Homes || Capitola Real Estate | Aptos Beach Homes Santa Cruz is a vibrant community, located on the north end of Monterey Bay, and is home to artisans, beach goers, hi tech types, and college students. There is plenty of natural beauty from the ocean side coastal towns to the little mountain communities. Let my 30 years of local knowledge and 20 years of real estate help you find the right home or property in Santa Cruz.