Valerie Mishkin Realtor

Valerie Mishkin Realtor 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: Local Government Relations Committee, City of Santa Cruz Master Recycler Program, Smart Coast California Board, Luna Eco at Gallery Board.

Older Santa Cruz County homes hide details buyers can’t afford to overlook, here’s where the best inspections start.Deca...
06/03/2026

Older Santa Cruz County homes hide details buyers can’t afford to overlook, here’s where the best inspections start.

Decades-old roofs, shifting foundations, and dated systems are common across the area, making targeted inspections key for a smooth closing. If you’re evaluating a property, these checks set the stage for smart negotiations and help avoid surprises: Get a Home inspection if the seller has not.

– Start with the roof, look for past leaks, worn shingles, and any history of repairs. Verify its age. Has it had solar in the past or currently attached?

– Examine the foundation for signs of movement, cracks, or unusual settling, especially in hillside areas. A sloping floor on an old house may tell you about settling over time, or it may indicate more support is needed. If the foundation is good the floor can be corrected from above.

– Review plumbing and electrical systems for outdated wiring, ungrounded outlets, or old piping that could need replacement. Some older electric boxes need replaced for safety, some to handle the load of future uses.

– Verify if additions or remodels have the right permits on file; unpermitted work often surfaces in older homes. These "improvements" may yet be permitable, or sometimes need to be removed.

– For rural homes, confirm the status of septic systems and well testing; Inspection reports are required at the point of sale in this county.

– Inspect for evidence of water intrusion, mold, or pest activity that could signal long-term issues. Always get a pest inspection if the seller has not already.

– Ask for all required disclosures, lead paint notices, hazard reports, and local advisories flag risks unique to Santa Cruz County.

If you’ve faced surprises in an older home, what would you add to this list? Save this post for your next inspection checklist.

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

05/27/2026

What your title review really covers in Santa Cruz County:

Before you close on a home, a title review checks who actually owns the property and flags any issues hiding in public records that could complicate your rights as a buyer. Here’s what a title review actually looks for, and what to pay close attention to:

– Ownership history is traced to see if every transfer of the property was properly recorded and legitimate.

– Liens are flagged, including tax, judgment, and mechanic’s liens, because any unpaid debts secured against the home need to be cleared.

– Historical deed language is checked, especially on older Santa Cruz properties, to spot outdated or discriminatory restrictions that might still be recorded.

– Chain-of-title gaps or recording errors that could muddy the transfer process are highlighted.

– Unusual easements or restrictions are identified to show if anyone else has a recorded interest in the property.

– The preliminary title report lists anything the title insurer won’t cover, so it’s essential to read these exceptions closely and not just rely on insurance alone.

– If a title issue turns up, buyers use document details, like APN or recording number, to work with the seller, escrow, or title company on clearing it before closing.

Questions about a title item you’ve seen in Santa Cruz County?
Let's get in touch with the right people to help resolve an issue.

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

Santa Cruz Sellers: 6 ways to impress buyers this seasonWith more homes on the market, pricing isn’t just about setting ...
05/21/2026

Santa Cruz Sellers: 6 ways to impress buyers this season

With more homes on the market, pricing isn’t just about setting a number, it’s about matching real buyer expectations and standing out. Here’s how to anchor your price and presentation in what works now:

1– Use recent Santa Cruz comps, not wishful thinking, to guide your starting price. Consider location, age, size, size of lot, number of Bed and bath, and condition in pricing.

2– Walk your property as if you’re a buyer, spot and address anything that could cause second thoughts. Make a list.

3– Tackle repairs buyers care about, like visible maintenance issues or anything likely to delay a sale.

4– Highlight what’s unique to Santa Cruz, like ocean views, bright rooms, and welcoming curb appeal.

5– Invest in small updates and staging that give a fresh first impression, from clean paint to inviting entryways.

6– Collaborate with a local Realtor early so your pricing and prep match current market conditions.

What matters most to you when pricing in today’s Santa Cruz market? Share your thoughts below or save this list for your next move.

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

What rising mortgage rates really mean for buying in Santa Cruz County:With 30-year fixed rates currently hovering just ...
05/19/2026

What rising mortgage rates really mean for buying in Santa Cruz County:

With 30-year fixed rates currently hovering just under the 7% mark, the borrowing landscape is shifting. Rates saw a brief dip earlier this spring but have since ticked back up as inflation remains stubborn. Looking ahead, the Fed has signaled a "higher for longer" stance, suggesting that significant rate cuts may be on hold until later in the year or whenever inflation data cools.

Here is how these shifts are impacting our local market:

– Tighter Qualification: In high-cost markets like Santa Cruz, jumbo loans and large mortgages face extra lender scrutiny and stricter debt-to-income requirements.

– Payment Sensitivity: Because our home prices are high, even a 0.5% move in rates has an outsized impact on monthly payments and overall borrowing power.

– Strategic Financing: More buyers are exploring low-down-payment programs and first-time-buyer "specialty" loans to keep more cash on hand.

– ARMs and Refis: Adjustable-rate mortgages and "buy now, refinance later" strategies are gaining traction for those betting that the Fed will eventually pivot.

– The "Lock-In" Effect: Many local homeowners are sitting on 3% rates and are hesitant to sell, which keeps inventory tight and competition high despite higher borrowing costs.

Thinking about how your borrowing power stacks up in today’s Santa Cruz market? Save this guide and reach out if you want to discuss the latest rate trends and local options. Let's connect you options.

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

Boys to Men is a national non profit, with a local chapter currently serving 3 schools in our county, with a goal of bei...
05/18/2026

Boys to Men is a national non profit, with a local chapter currently serving 3 schools in our county, with a goal of being present in all of the Jr High Schools. Male volunteers train to lead boys groups in their social development and relationship building. Keeping at risk boys out of gangs and away from self destructive behavior. Encouraging success in education and careers, and relationships.

This fundraiser is open to any one over the age of 14 to participate.

Prices are $1,000 $500 and $250. Sign up, get sponsors, and support this important cause.

Got a business or funds to contribute? Be a Sponsor.

Men, got time to participate? This program needs volunteers to expand to more local schools.

It will be a lot of fun for all, an opportunity to be heard, and raise support for this program.

More information: BoystoMenNorCal.org 415 890 5462

Just Closed 16755 Church Street Morgan Hill!Happy transaction completed with a 10 day closing. My Seller is moving on to...
05/16/2026

Just Closed 16755 Church Street Morgan Hill!
Happy transaction completed with a 10 day closing. My Seller is moving on to new investments. The buyer is making his plans.
We are all content that one is complete. My first sale out of Santa Cruz County. Santa Clara County, It was great to have a Team member to co list with who has lived and sold on that side of the mountains for years. Thank you Tim Bowers!

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

Luna Eco Arts Gallery presents:Germain Hatcher"Beyond Bullwhip Days"May 2 - June 28, 2026Receptions: May 16th 5 - 7 pmJu...
05/13/2026

Luna Eco Arts Gallery presents:
Germain Hatcher
"Beyond Bullwhip Days"

May 2 - June 28, 2026

Receptions:
May 16th 5 - 7 pm
June 20 5 - 7 pm with Artist talk at 4 pm

This collection depicts portraits of slaves accompended by their live stories. Germain Hatcher is a well know Monterey Artist who's work has spanned decades. Her involvement in Youth Arts Collective and her store, Imagine Art Supplies at 309 Forest Ave, Pacific Grove, CA 93950, keep her centrally involved in community.


Dr, Jennifer Colby Open Studio, Luna Gallery and Eco-Art StudioDr Colby is the director of Luna Arts. Her career as arti...
05/13/2026

Dr, Jennifer Colby Open Studio,
Luna Gallery and Eco-Art Studio

Dr Colby is the director of Luna Arts. Her career as artist and activist has covered many social and ecological subjects. Her research has taken around the world to study history and art.

San Benito County Open Studios May 16 and 17
11 - 4 pm

Music and Reception May 16th with TEAM UNCO
5 - 7 pm

Sponsored by the San Benito County Arts Council

https://www.sanbenitoarts.org/open-studios/

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

# DrJenniferColbyArt

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

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