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101 Echo St, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 101 Echo St, Santa Cruz, CA 95060

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,488 sqft · built 1961
Lot Size0.12 acres (5,227 sqft)
Owner2 Individual Names on Record
Last Sale$90,000 (Nov 1995)
Tax Bill$4,543 (2025)
Deeds & MortgagesSep 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN002-084-21

Property Details

APN / Parcel Number

Primary APN002-084-21
Alternative APN
  • 002-084-21-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Building Area1,488 sqft Living Area
Gross Area1,944 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area5,227 sqft (0.12 acres)
TerrainSteep
View / LotOcean
Garage TypeAttached
Garage Area456 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address101 ECHO ST
CitySANTA CRUZ
StateCA
Zip95060-3010
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionWAVE CREST
Legal Block5
Legal Lot Number10-12
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group2
Census Block2008
Census Tract100500

Owner

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address101 ECHO ST, SANTA CRUZ, CA 95060-3010
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 16, 1995 · Amount on Record
Deed SaleNov 16, 1995 · Amount on Record
Deed Document Number199559774
Deed Book / Page5758 / 741
Last Transfer DateApr 14, 2014
Transfer Doc0000012219
Record UpdatedSep 20, 2026

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address101 ECHO ST, SANTA CRUZ, CA 95060-3010
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000031415
DateSep 20, 2017
Instrument2017-0031415
Lender
NameBANK OF AMERICA NA
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalitySanta Cruz City
Elementary School DistrictSanta Cruz City Elementary School District (KG - 05)
Secondary School DistrictSanta Cruz City High School District (6-12) (06 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$359,755 (+2%) Land $195,776 Building $163,979
2025$4,543.00 (+9.47%)$352,701 (+4.04%) Land $191,937 Building $160,764
2023$4,150.00 (+1.07%)$339,005 Land $184,484 Building $154,521$1,170,990
2022$4,106.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1998)
Claims Outside the SFHA1 of 1
Most Recent ClaimFeb 1998 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 64% of the US · lower than 79% of California
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSANTA CRUZ WATER DEPARTMENT
serves 94,626 people · EPA ID CA4410010
Water SourceSurface water
Last State InspectionJun 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 663 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Cruzio
Fixed Wireless		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, Etheric Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Echo St

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