101 Gilbert Ln, Santa Cruz, CA 95065 Property Records

Santa Cruz County property record for 101 Gilbert Ln, Santa Cruz, CA 95065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,411 sqft · built 1972
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on Record
Tax Bill	$1,869 (2025)
Deeds & Mortgages	May 2026 Reverse Mortgage May 2026 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`009-032-07`

Property Details

APN / Parcel Number

Primary APN	`009-032-07`
Alternative APN	`009-032-07-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,411 sqft Living Area
Gross Area	1,851 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Roof Material	Tile
Lot Area	5,009 sqft (0.115 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	101 GILBERT LN
City	SANTA CRUZ
State	CA
Zip	95065-1206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	LANDS/FORREST P MOORE
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1036
Census Tract	100100

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 Record	Individual Name on Record
Mailing Address	101 GILBERT LN, SANTA CRUZ, CA 95065-1206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER
May 26, 2026	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL/OMAHA MORTGAGE LLC
Mar 26, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 26, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 22, 2015
Transfer Doc	0000015170
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	May 26, 2026
Property Address	101 GILBERT LN, SANTA CRUZ, CA 95065-1206
Document Number	0000011723
Instrument Date	May 19, 2026
Instrument	202611723
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 GILBERT LN, SANTA CRUZ, CA 95065-1206

Mortgage

Document Number	0000011723,
Date	May 26, 2026
Instrument	202611723

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	999 Months

Interest

Rate	6.23%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	May 26, 2026
Property Address	101 GILBERT LN, SANTA CRUZ, CA 95065-1206
Document Number	0000011722
Instrument Date	May 19, 2026
Instrument	202611722
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 GILBERT LN, SANTA CRUZ, CA 95065-1206

Mortgage

Document Number	0000011722,
Date	May 26, 2026
Instrument	202611722

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	999 Months

Interest

Rate	6.23%
Max Rate	-1%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	101 GILBERT LN, SANTA CRUZ, CA 95065-1206
Document Number	0000009628
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	AMERICAN ADVISORS GROUP, AMERICAN ADVISORS GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 GILBERT LN SANTA CRUZ CA 950651206, SANTA CRUZ, CA 95065-1206

Mortgage

Document Number	0000009628
Date	Apr 2, 2018
Instrument	9628

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Apr 1, 2091

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	101 GILBERT LN, SANTA CRUZ, CA 95065-1206
Document Number	0000009627
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Apr 18, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 GILBERT LN SANTA CRUZ CA 950651206, SANTA CRUZ, CA 95065-1206

Mortgage

Document Number	0000009627
Date	Apr 2, 2018
Instrument	9627

Lender

Name	AMERICAN ADVISORS
Address	3800 W CHAPMAN AVENUE 3RD & 7TH F, ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Apr 1, 2091

Interest

Rate Type	Adjustable Rate
Rate	4.91%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Santa Cruz City
Elementary School District	Santa Cruz City Elementary School District (KG - 05)
Secondary School District	Santa Cruz City High School District (6-12) (06 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$127,654 (+2%) Land $21,364 Building $106,290
2025	$1,869.00 (+11.52%) Homeowner's exemption	$125,151 (+4.04%) Land $20,945 Building $104,206
2023	$1,676.00 (+1.02%) Homeowner's exemption	$120,291 Land $20,131 Building $100,160	$1,279,800
2022	$1,659.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

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 Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 System	SANTA CRUZ WATER DEPARTMENT serves 94,626 people · EPA ID CA4410010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 560 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Cruzio, T-Mobile, Verizon.

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