My goal is to provide my clients with the best professional guidance in all real estate transactions. My experience includes construction management, accounting, land transactions, residential development, client representation in purchasing and selling luxury homes, beach and vacation homes, country homes, multi-family investment and commercial ventures, condos, first time buyers and sellers, short sales, guidance through distressed property transactions, and property management.

I look forward to helping clients with strategic planning for the future and providing excellent and responsive service to achieve the right real estate purchases/portfolio and the highest price in the sale of real estate assets.  My association with Century 21MM is a great benefit to my clients and customers!  If you wish to find a home in Santa Cruz, Capitola, Aptos, Los Gatos, Willow Glenn, Las Palmas,  please give me a call.


Broker Associates/Century 21 M&M and Associates
1500 41st Ave, Capitola, Ca 95010,

January 1, 2014 to present


Janice Spencer and Associates Real Estate, Santa Clara, Santa Cruz, Monterey Counties California

May 1979 – January 1, 2014  7970A Soquel Drive, Aptos, California


My most enjoyable real estate accomplishment these past few years have been helping distressed home owners through loan modifications, short sales and prevention of foreclosure. My years of experience has helped in the negotiations with the banks and the homeowners to obtain satisfactory resolutions to challenging financial situations. I have felt more personal accomplishment in these transactions than in any other period of my real estate career.


Privacy and confidentiality is of major concern to the client. A client of Janice Spencer deals directly with a highly experienced broker. Also, the client is referred to the most knowledgeable CPAs and attorneys to make the best financial decision.


I have been very fortunate to develop great relationships with my clients . I have assisted them in transactons in their many ventures in homes in Santa Cruz County: residential, commercial, business, land, construction and property management. Whether it be the purchase of a sought after motel, business venture, land acquisition, residential or investor/multi family puchases, and financing options for the purchase, I am here to find the best properties and strategic structuring for your transactions for the your real estate portfolio. Marketing and sale of your real estate asset is aimed at achieving the highest value.


References are available upon request.




  • California Real Estate Broker License/00611769

    • California Department of Real Estate
    • License 00611769
    • May 2012 to May 2016
  • Certified BPO Professional

    • National Association of Broker Price Opinion Professionals
    • License 00611769
  • Plantinum Agent Certification/Equator Platform

    • Equator
    • Nov 2013 to Nov 2014
  • Short Sale Certification

    • Equator
    • Nov 2014 to Nov 2014
  • Priority Partner

    • Chase Bank
  • Santa Cruz Association of Realtors Member

    • Santa Cruz Association of Realtors
    • License 0061769
    • January 2014 to January 2015
  • National Assocation of Realtors

    • NAR
    • License 00611769
    • January 2014 to January 2015
  • California Association of Realtors member

    • CAR,
    • License 00611769
    • January 2014 to January 2015