We had the pleasure of working with realtor Mike and his partner Mr. Shaffer, and we couldn't be more pleased with the experience. From day one, Mike was readily available to show us houses, accommodating our busy schedules without hesitation. His efficiency with paperwork ensured a smooth process throughout. What truly set Mike apart was his attentive listening skills; he took the time to understand our family's needs and preferences, guiding us to properties that were an excellent fit. Approachable and easy to talk to, Mike fostered a comfortable environment where we could openly discuss our concerns and questions. Above all, Mike's honesty and integrity were evident at every step, earning our trust and making the home-buying journey a truly enjoyable one. We highly recommend Mike to anyone in search of a reliable and dedicated realtor.
Ricardo S.


I can’t thank Mike enough for all the help he gave me in selling my house. It was a seamless transaction. Not only did Mike pick for me the best workers to fix the house to get it ready for sale, but he also helped find the buyers. These buyers were the best I have ever sold a house to. And this is the eighteenth house I have sold in four states. I’ve had problems with my memory since my wife died and Mike was very courteous in reminding me of things I had to do. Also I was in a pickle because I had to sell this house to get the money before the contractor could even Start on the new place that I was moving into. The buyer Mike found agreed to let me stay in my house until the new place I was moving into was Finished. The buyers gave me six-month rentback -free! So that I didn’t have to move twice. Thanks again Mike for a wonderful job.

Sincerely, Don Sowden



When Michael Croghan was recommended to me by a friend, I had no idea that I was getting one of the best real estate agents Santa Cruz County has to offer. After we decided on a price he immediately started showing my home and scheduled several open house events. From day one he kept me informed of everything that was happening and when we received a firm offer he worked to see that all parties were satisfied.  I would recommend Michael to any person looking for an agent who works for his client's interest with honesty, innovation, hard work, patience and vast experience as well as a sense of humor. I have dealt with quite a few agents over a period of 40 years when selling my homes, but Michael Croghan has exceeded them all.

Bonnie Cox


 To anyone looking for a real estate agent in Santa Cruz county, I would like to recommend Michael Croghan with Schaffer & Associates. Mike was born and raised in Santa Cruz, knows all of the neighborhoods and many of the long time residents and investors. Recently, Mike was our agent on the sale of a duplex and the purchase of a replacement property. In both cases he was very professional and efficient. He was courteous to tenants and sensitive to our requirements. No high pressure tactics. Even after our listing had expired he was able to find us buyer. On the purchase side, he kept us informed of new and possible new listings. He was always available to show properties on short notice and turned documents around within 24 hrs. He was very helpful during the frustrating process of securing a purchase when multiple bids were in play. So, if you are new to real estate or experienced and want an agent who will work with and for you, Michael Croghan is a good choice.

Richard and Joyce Smith

To Whom it May Concern

 We are pleased to be in a position to provide our highest recommendation of Michael Croghan. We had the great pleasure of selecting Michael to sell our Carbonera Estates property recently. The skills necessary to sell a home are extensive. The additional skills required to sell luxury property are even more rare. Michael demonstrated these skills with great success. Michael was able to guide us explicitly through the process while improving the exposure of our property in what was a very difficult market at the time of sale.

 The clarity of his recommendations in both the preparation phase as well as the marketing period proved to be crucial to our successful completion of this transaction. His ability to offer suggestions calculated to provide impact and return on investment in the sale price helped us elevate our properties appeal and in our conclusion shorten our sale cycle and provide us with the desired outcome.                                                                                                     

 Michael’s professional comportment, extraordinary ethics, compassion and  and thorough knowledge of the Real Estate industry as well as the unique Santa Cruz Market make him well suited to represent your property and bring your process to a successfully conclusion.

 We have met very few people we have been willing to wholeheartedly recommend without reservation. Michael Croghan is one of those few.


 Greg and Michelle Hayes