Coldwell Banker
RealtorĀ®, Broker, Certified Real Estate Appraiser, Notary Public
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Coldwell Banker
410 N. Santa Cruz Ave., Los Gatos, CA 95030
DRE#: 00868667

About Me


I am the former managing broker of Loma Prieta Properties and have 28 years experience in South Bay Area real estate. I have been consistently one of the top listing and selling agents in the Santa Cruz/ Los Gatos mountains.

I believe that for most clients, buying or selling a home is a very emotional decision. As a realtor, my job is to make the transaction as smooth and worry-free as possible. I anticipate and troubleshoot potential problems. I make myself available to my clients to discuss concerns that may come up.  My clients can rest assured that I will always work in their best interests and will handle their purchases or sale with the utmost honesty and integrity.

I have an educational background in Psychology. I am a certified real estate appraiser, licensed real estate broker, and a Seniors Real Estate Specialist.  I am also certified as a Cartus Network Referral / Inventory / Marketing Specialist.

I have lived and worked in the Summit area of the Los Gatos mountains since 1980. My twins, Kevin & Vanessa, were born here, attended local schools, and are currently pursuing their career goals.  My husband, Stephen M. Payne, PhD., is a local historian and author. My hobbies and interests include period architecture & furnishings, deer-resistant gardening, beekeeping, and world travel.  I belong to the Santa Cruz Bee Guild and the Monterey Bay Koi and Pond Club.



Carol is a true professional. She listed and sold our property in a very quick and clean sale. Her knowledge of the area was thorough to say the least and her dedication to completing the job at hand was amazing. Very detail oriented. Her commitment to us as her clients made us feel she put her 'all' into completing our sale. We very highly recommend her as a realtor who will complete the job in a timely and professional manner. Thanks again, Carol.   Jon & Norene Mason. Stetson Rd., Los Gatos

 Carol Payne put a lot of herself and her time into a relatively small transaction. She was most helpful in pursuing the details of a complex negotiation, and her advice about pricing was right on. Highly recommended, five stars!  Buyers, Soda Springs Rd., Los Gatos

Carol Payne Is very honest & a dedicated worker. Carol will make you feel like you are her only client even though you know she has many others. I have bought two homes through Carol and sold one. I am sure when I am ready for a rest home, she will help me again. Her knowledge of the Los Gatos and Santa Cruz Mtns. is remarkable. In fact, someone once said "Carol Payne is a Legend"!  Ray & Susan Adams, Skyland Rd., Los Gatos

I can't say enough about Carol's patience, knowledge, responsiveness, flexibility and "beyond the call of duty" helpfulness in finding and buying a home that worked for both myself and my husband. It didn't take long for me to know I could trust that she was interested in helping us find the right place, and that her insight, experience and practical nature was the perfect fit for helping us in our search. We feel very lucky to have had her assistance and now consider her a lifelong friend. We would highly recommend her.  Mark & Melinda, Bohlman Rd., Saratoga