About Kim

Kim Havbo is a residential real estate professional with Coldwell Banker Realty serving Santa Cruz County, California. Licensed since 2004 and a Santa Cruz County resident since 1982, Kim combines more than 20 years of real estate experience with a prior background in mortgage lending to provide clients with informed, strategic guidance throughout every stage of a transaction. Based in the Aptos and Santa Cruz office of Coldwell Banker Realty, Kim serves buyers and sellers throughout Aptos, Soquel, Capitola, Rio Del Mar, Seacliff, Pleasure Point, Santa Cruz, Live Oak, Watsonville, Corralitos, Scotts Valley, Felton, Ben Lomond, Boulder Creek, Bonny Doon, and surrounding communities. Her hyperlocal knowledge includes coastal neighborhoods, inland and mountain properties, rural homes, condominiums and townhomes, and properties requiring significant improvements. Kim represents both buyers and sellers and is known for her calm, patient approach and ability to navigate complex situations. She advises sellers on strategic pre-sale improvements grounded in neighborhood expectations and current buyer demand. She has managed delicate negotiations, multiple-offer scenarios, and transactions involving HOA considerations, rural utilities, septic systems, and unique property conditions. Her mortgage lending background, including construction lending, provides added insight into financing structures, budgeting, and renovation planning. Buyers benefit from her ability to anticipate financing concerns and position offers competitively in Santa Cruz County’s dynamic market. Kim holds the Senior Real Estate Specialist designation, the Accredited Buyer Representative designation, and the Santa Cruz County Pro certification. She serves clients across entry-level, mid-range, and upper-tier price points, often assisting homeowners coordinating simultaneous sale and purchase transactions. A longtime Soquel homeowner who raised four children in the community, Kim offers clients both professional expertise and genuine local perspective, helping them make informed real estate decisions aligned with their goals and lifestyle.