Looking to make your dream home more affordable and practical? Welcome to 511 Pacheco Ave offering built-in flexibility, passive income potential, and multigenerational living options all in one property. Set on a nearly 10,000 square foot flat lot in Santa Cruz's sunny Banana Belt, this move-in ready home features 3 bedrooms and 3 full bathrooms on the main level, plus an upstairs bonus room ideal for a home office, guest suite, or playroom. Inside, you will find new hardwood floors, modern appliances, fresh paint, and plenty of natural light. A permitted detached ADU, approximately 500 square feet, includes a full kitchen, bath, and private drive - great for income, guests, or extended family. The detached garage with sliding glass doors works perfectly as a gym, studio, or workshop. All improvements are permitted and built to code. Located on the preferred and most sunny side of the freeway in walkable midtown, minutes to beaches, dining, and shopping with easy access to Highways 1 and 17. This property offers long-term value and lifestyle flexibility for today's buyer.