CapitolaHouse Hunter Silicon ValleyOpen House July 11, 2022

Sophisticated & Airy Capitola Townhome-Style Condo For Sale

480 Plum Street Unit D Capitola For Sale

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EconomymultigenerationalReal EstateSANTA CLARA COUNTYWealth May 11, 2022

Why Diversifying Your Concentrated Portfolio Is A Smart Move

The Bay Area is a hub for many industries, including tech, and investors here often find themselves with a concentrated portfolio due to restricted stock grants and incentive stock options. If this describes you, take note: Diversifying your investments can be a smart move.
Lynne MacFarlane Blog - What does job market mean to real estate market?
Silicon Valley tech employees have been jolted by their stock options performance lately. At Intero Los Altos’ Monday office meeting, our title company rep brought up a point reminding us that in 2009, people who sold their stocks to buy residential real estate have done very, very well!
The Bay Area has historically been home to many companies that offer stock incentives to high-level executives. If you’re a leader in one of those companies, you may hold far too high of a percentage of wealth in your employer or previous employer’s stock. Here’s a recent article which considers the recent plunge in technology shares providing investors with a harsh lesson in that can hamper employee retention and threaten cash flow when share prices collapse.
“As stock prices fall, companies may have to offer employees even more shares to achieve the same compensation levels.” Here are companies that heavily rely on employee stock rewards.
Having a large percentage of your holdings in a single company can help you build wealth quickly when that company is on the rise. However, that same volatility can wipe you out if something goes wrong.
It may seem counterintuitive to cash out stock options now. Nobody wishes to cash in when their stocks are plummeting, but remember that nobody wants to let go of their stock when it is skyrocketing either. Real estate is a safer haven during times of inflation. It appreciates over time and it’s tangible. There are many ways to profit from real estate, from cash flow of rental properties to
appreciation of assets.
Consider balancing your asset class portfolio and cash out. Why not buy a multigenerational house? Think of an extra guest space for relatives visiting, building an ADU, or buying a property under $800K (I can suggest several areas). Real Estate can create passive income with lower volatility and that might be the right move for you.
Let me know if you would like a no pressure introduction to our financial wealth advisors providing Intero concierge service and advice before making any financial decisions.
Also please keep in mind that I’m always available to help your family/friends with any real estate or financial questions.
Lynne Watanabe MacFarlane, Realtor
Intero | Berkshire Hathaway affiliate
408-800-1141 or 831-346-2743
BuyersCommunity StoriesMONTEREY COUNTYRetirementSanta Cruz CountySellers MarketVideoWatsonville February 24, 2022

SOLD!! Single Family Home in Watsonville [video]


Join me in congratulating my happy new homeowner! Dreams do come true! Welcome back to California!
636 Peartree Drive Watsonville CA
2 BEDROOMS, 2 BATHS, 2 Car Garage

Delighted to assist my buyer to find that perfect single story, single family home in Watsonville, California. Our client wanted to move back to Monterey Bay where he had many good memories. As a Senior Real Estate Specialist I’m familiar with desirable community lifestyles in the Bay Area & also familiar with home features that are ADA compliant for 55 yrs+ to ‘age in place’ to accommodate current and future needs for the entire family.

Give me a call, I’m here and happy to give an ‘age in place’ consultation’ if you or a relative is considering a move or wanting to live at-home safely for a while longer. Happy to assist with your goals in mind!

Lynne Watanabe MacFarlane, MCDM, SRES, SRS | Realtor
Master of Communication Digital Media, Marketing from Univ of Washington
Senior Real Estate Specialist, adv certification
Seller Representative Specialist, adv certification
Professional Fiduciary Association of California, Silicon Valley affiliate
Intero | A Berkshire Hathaway Affiliate
phone 408.800.1141 or 831.346.2743
DRE# 02066698

#realestate #SOLD #Watsonville #SantaCruzrealestate #Loyalty #Care #Fiduciaryduty #PFACrealtor #seniorrealestatespecialist #Seniorliving #seniorlivingcommunity #siliconvalleyrealestate #interorealestate #LynneMacFarlaneRealtor #AgeInPlace #ADAcomplianthome

AptosHouse Hunter Silicon ValleyinvestorsmultigenerationalSanta Cruz County January 14, 2022

Aptos Multigen SFH or Rental | Aptos, Santa Cruz County Home Tour [VIDEO]

‘Sheltering in Place’ has created many changes to people’s living situation.  It has allowed  employees of many Bay Area companies to work remotely, and it’s now very common to see people move out of state and take early retirement.  Employees with corporate jobs have also been able to expand their commute travel radius (1-2 hrs away), as work policies now allow employees to come in to office with less frequency. Families look for more space to live, work, play and teach and they’re finding that this new remote “work from home” is an excellent opportunity to love where they live and that means with more room and yard space!

In previous videos, I have discussed the fact that Santa Cruz County is gaining wealth from neighboring counties, such as from Santa Clara, Alameda, and San Mateo. With much reluctancy from laid back beach locals, those that wish to take their equity and move are grateful that their little Santa Cruz beach bungalows are catching a pretty penny for retirement this high equity growth is across the country!) Here’s another example of a Santa Cruz multigenerational home and why they’re terrific options. Click here 

In this strong sellers market with record low inventory, many smart homeowners are preparing their home to sell this year to take advantage of the opportunity.

Here’s a home I toured yesterday in Aptos, perfect for multigenerational family or someone who’s wishing for a downstairs rental for passive income. Cabrillo College is only 9 mins away and a 1BD/1BA would fetch average $2K/month.

Aptos is a great community – good schools, variety of shops and restaurants and only 8 minutes away from one of my favorite beach, Beer Can Beach!

This is a secret path to Beer Can beach from Via Palo Alto


I hope you enjoy my quick YouTube video tour of 129 Lyle Ct Aptos.
If you’re interested in learning more about multigenerational homes or looking for a beach community, ask me, I’d love to help you find your next home!

Call quickly for more information
I’ll help you write up a winning offer.


Strong Demand for Housing Continues Despite COVID

Here’s the latest from MLSListings Silicon Valley and Coastal Regions

– Single-Family Homes Market OverviewJuly Market Stat in the SF Bay Area 5 Counties

The SF Bay Area real estate market continued to show its strength during July, even in the midst of the COVID19 pandemic.

Median prices again rose across all five MLSListings counties compared to July 2019; the lowest gain was 7% in Santa Clara County, and the highest increase in median price was 19% in San Benito County.

Closed sales remained robust across the board, both month-over-month and year-over year.

Further displaying this resilience, median days on market dropped in every county except for San Benito and new listings coming on the market grew versus last year in all counties except for Santa Cruz.


Inventory stayed problematic in all counties, with 4 out of five counties showing year-over-year decreases.

Santa Clara’s inventory is 1/3 less than this time last year and Santa Cruz inventory is down by 35%.

While San Mateo showed a modest 12% gain in inventory, it is still at historically low levels.

Even with the strong demand, premiums paid (amount paid over asking) is close to 100% in all counties and steady with both last month and last year in all counties except for San Mateo, which saw a 4% drop in average premium paid, from 105% of list last year to 101% of list this year.

Buyers MarketSanta Cruz County July 13, 2020

Where Are People Coming From in Santa Cruz County?

Do you wonder where the people are coming from when they move to Santa Cruz County?

  1. Santa Clara County
  2. Alameda County
  3.  San Mateo County
  4. Los Angeles County
  5. Contra Costa CountyLynne MacFarlane, SRES Realtor with Intero specializes in helping folks in transition in Santa Clara County to Santa Cruz and Monterey counties
Housing MarketReal EstateSanta Cruz County February 5, 2020

Q4 2019 Market Overview of Santa Cruz County – from MLS Listings

Q4 2019 Santa Cruz County Market

• Median sales prices for single-family homes in Santa Cruz County hit the highest Q4 level ever at $888,725.

• Overall, the market is a bit tighter than it was at this time last year, with fewer new listings and less inventory. The number of sales decreased just slightly and, surprisingly, median days on market increased to 40 days from 29.

• “Notwithstanding the increase in median days on market, it’s clear that traveling down the freeway may get you lower prices but it certainly doesn’t get you an easier market.” – Eliot Eisenberg, PhD, MLSListings Partner Economist

• Although median sales prices eased just a bit from last year, most other metrics show that the common interest market in Santa Cruz County is still very tight.


Single Family Homes in Santa Cruz (MLSLISTINGS) – Feb 4, 2020

For private tours & buyer consultation meeting, contact Lynne MacFarlane, Realtor

DRE #02066698

(831) 346-2743 text/voice

Housing MarketMarket ReportSAN MATEO COUNTYSANTA CLARA COUNTYSanta Cruz County January 17, 2020

Silicon Valley & Coastal Regions Market Report (for Single Family Homes)

2019 concluded with median sale prices up year-over-year in every MLSListings county except for Santa Cruz. The number of homes sold in December 2019 saw double-digit increases in all counties versus last December, while inventory was down compared to December 2018 (and month-to-month) across the board.New listings also fell in all five counties in comparison to both last month and last December. Meanwhile, the actual price paid versus list price hovered around 100% in every county, from a high of 102% in San Mateo to 97% in Monterey.

** If you’re interested in receiving a property analysis of your home don’t hesitate to call or email me!


DRE# 02066698



Lynne MacFarlane Homes

RetirementSanta Cruz CountyVacation Property September 19, 2019

Time to Consider a Second Home or Retirement Property in Santa Cruz County [August Market Report]

Capitola Beach FunWould it be ridiculous to consider a second home, a vacation rental property near the beach for your future retirement? I love living in Santa Cruz county, in August the homes were 4.6% less expensive compared to last year, and there were 7% MORE homes available for sale compared to same time last year – What does this mean? Buyers have a greater selection of homes to chose from, so if you or someone you know is considering a condo or single family home let me introduce the many great communities that I proudly call home.

Real Estate Santa Cruz Aug Market Report - Lynne MacFarlane, Realtor

Click HERE for a real-time, interactive Market Report for Condos in the Santa Cruz area

HERE for the Condos in the Capitola area

HERE for the Condos in Aptos area

Let me know if you’re interest in another areas.


Life is good “on the other side of the hill!”

Don’t hesitate to reach out to discuss your retirement vision for your dream place in the sun!

 831.346.2743 Call or text Lynne

Lynne MacFarlane Homes



BuyersReal EstateSanta Cruz CountyWhy buy April 25, 2019

Attention Home Buyers – Here’s Why It May Now Be A Good Time to Buy

Welcome to  Spring 2019 and if you were out shopping for your dream home but failed to win in a multiple offer situation now’s the time to reconsider coming back and shopping again!

Here’s why…

From the California Association of Realtors.

Here in California we are experiencing the weakest growth of home prices in 7 years. Take advantage of this if you’re a buyer. And if this is the opportunity you’ve been waiting for, be prepared! Yes, even with all the talk of the market softening, SF Bay Area counties (Silicon Valley/ Santa Cruz County) are still in a strong Seller’s Market, so talk to your lender, and if you don’t have one I can recommend a couple, so you know how much house you can afford prior to your search.  When you have a “pre-qual.” letter from a lender it demonstrates to the seller that you are serious about their home and ready to move forward with an offer.

If you would like to discuss your real estate goals (first time buyer/ investment property), text or email me today! 

831.346.2743 cell

 Condos and townhomes are great for all buyers but especially for  first time buyers, it  can be a starting point for new home ownership. After 5-7 years usually one of two things occur: 1) buyers out grow the condos and move-up to a larger condo or single family home  2) buyers keep the condo and rent it out; good for passive income.  Buyers can buy another home in a different city or a completely different state yet still have that revenue generating from their original condo purchase.


Condos and townhomes usually do have a lower price point in communities making it more attractive for new buyers or investors. An additional advantage of a condo is that they are often easier to maintain for the individual because Home Owner’s Association (HOA) often take care of the shared community & external sites of the properties.  As a buyer it’s important to make note of the HOA dues , what the association costs cover, and consider the expense to the entire cost the property. (There are more pros and cons to condo vs. single family home which I’ll save for another post.)


Great news for home buyers! Home prices are softening – a good time for buyers to come back from years past, even comparatively so from last year, and we’re seeing offers now with contingencies and increased property inventory. We are still seeing multiple offers at our brokerage (Intero) but those that are good properties that are well-priced at the start of listing.

We are seeing cooling from a super hot market in Santa Clara County at (-10.6%) which does not reflect a crash but just a readjustment. Sonoma County has decline at (-7.5%) sadly due to the 2017 fires.

Call/Text for a free market report of Santa Clara county condos / townhouses / single family homes today!


Interesting to note that the Central Valley is still growing in places such as Kern (7.5%), Merced (6.8%), Fresno (5.7%), San Benito (4%), Stanislaus (3.9%) and Glenn (2.2%).

Many buyers are wisely looking inland to Kern, Merced and Fresno counties to find affordable homes.

Call me if you need assistance and information in any of these counties!

831.346.2743 cell

 Places such as Santa Barbara (-20%) and Monterey county(-7%) is cooling off, but local communities in  Santa Cruz  county (up a modest .9%) and San Luis Obispo (3.2%)  are being ‘discovered’ by Silicon Valley remote workers & retirees wanting to keep the casual and coastal lifestyle. In other words, we are seeing money shift from over heated markets to secondary markets. Google, Facebook, LinkedIn and other tech companies are now using buses to shuttle their employees from their headquarters to farther communities such as Los Gatos, Scotts Valley, and Santa Cruz.

On a more personal note, my husband and I enjoy living in Capitola for the community, the outdoor lifestyle and relative proximity to work in Santa Clara county. I expect to see these homes by the sea to appreciate as they are great investments and good frequently bought as homes for retirement or weekend vacation properties.

Text me if you’d like a list of single family homes or condos in the

Santa Cruz County today!

831.346.2743 mobile


 .   We are seeing more supply than a year ago which gives greater options for buyers.

 This is an interesting slide demonstrating the discrepancy between the seller’s listing price  and the sales.

 Notice the difference between March 2018 & March 2019.


 We are seeing more active listings compared to last year, meaning there’s more selection for buyers.

 Rates are still historically low and compared to foreign countries, those buyers feel we are extremely fortunate. It isn’t necessary to put 20% downpayment and there are many loans to consider that might suit your requirements.


No other economy is as diverse and dynamic as California. California is the 5th largest economy in the world, beating the U.K.  It’s the opportunity that attracts millions of newcomers to live and start businesses here. Most tech startups for instance launch in the Bay Area despite the high cost. Employment and wages have grown and that has put pressure on the California housing market.

The good news for buyers is that buyers will get an opportunity to negotiate again and, with fingers crossed, the interest rates will remain low for the end of the year. For sellers this all means we need to keep expectations in check and notice the list price difference to the actual solds in specific markets. If you live in the Santa Clara county and want to cash out now, don’t be greedy. If you’ve owned your home for over 5 years, you’ve got a lot of equity in your home and this might be a time to sell. In Santa Clara and Santa Cruz county we’re still experiencing a sellers market, but many properties are  not listed appropriately will sit for longer days on market and with more properties on the market to choose from this is great  news for new buyers who were a little spooked from past real estate markets.

If you’d like to further discuss the experience of first time homeownership or real estate investment locations, text me and we can meet at your favorite coffee shop. These are exciting times ahead for you, now’s the time to be pro-active and start your new life, call me today and let’s take that first step together.

Call/Text me and let’s discuss your real estate goals for 2019 today

over coffee and a snack! 🙂

Lynne Watanabe MacFarlane, Realtor

831.346.2743 mobile