Caren Spencer

Caren Spencer serves clients across Santa Cruz with 26 years of combined experience in financial planning and real estate sales. As a Santa Cruz native, she applies deep local knowledge of past trends, school districts, and economic shifts to help buyers and sellers make informed decisions for their present and future. Whether assisting a first-time home buyer with their dream of ownership, creating an investment plan for retirement, or helping a young family find extra space, Caren approaches every transaction as a collaborative team effort. Her background in financial planning allows her to provide thorough information regarding anticipated market changes and long-term value, ensuring clients receive expert guidance throughout the process. Caren takes great joy in serving diverse needs, from helping seniors locate rare single-level homes to supporting investors with strategic property portfolios. She values the trust, referrals, and friendships built with her clients, delivering integrity and results in every real estate transaction.