Live above the city. Buy below the bank. At 1326 Santa Cruz Drive, you can have the view and keep six figures in your pocket. This exceptional property offers seller financing at just 4% interest, a rare opportunity that can save buyers over six figures in interest payments alone compared to today's market rates. For buyers who don't want to overpay banks and would rather build real equity, this creates a dramatically lower true cost of ownership than competing homes. Set high above the street on a highly coveted stretch of Santa Cruz Drive, this home delivers a rural, palatial estate feel with unobstructed Sierra Nevada views, endless sunshine, and open vistas in every direction. With no HOA, you'll enjoy total freedom and privacy while remaining close to town. Nearly every room captures the views, filling the home with natural light and a constant connection to the surrounding landscape. Two fireplaces add warmth and ambiance, while expansive windows frame the mountains and city below. The sellers have made major investments in landscaping and outdoor living, creating a true retreat ideal for entertaining or quiet evenings under the stars. The oversized corner lot offers exceptional flexibility, with room to add an ADU, pool, or sports court-perfect for long-term value and lifestyle expansion. Practical features complete the package, including RV parking, a huge 3-car garage, and the peace of mind of being connected to city sewer (completed just two years ago). With unmatched views, flexible land, no HOA, rare financing terms, and a premier elevated location, 1326 Santa Cruz Drive stands apart as one of the most unique and financially strategic opportunities on the market.