1014 Ladera Ln, Santa Barbara, CA 93108 Property Records

Santa Barbara County property record for 1014 Ladera Ln, Santa Barbara, CA 93108

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,515 sqft · built 1990
Lot Size	3 acres (130,680 sqft)
Owner	Company Name on File
Tax Bill	$6,586 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`155-030-058`

Property Details

APN / Parcel Number

Primary APN	`155-030-058`
Alternative APN	`15503058`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,515 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	130,680 sqft

Location & Zoning

Street Address	1014 LADERA LN
City	SANTA BARBARA
State	CA
Zip	93108-1630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10E1
Legal Description	PM 13921 BK 42/74-76 PARCEL 1
Legal Subdivision	PARCEL MAP 13921
Legal Lot Number	1
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	CARPINTERIA
Census Block Group	1
Census Block	1009
Census Tract	1706

Owner

1014 Ladera Ln is owned by a company that acquired it in June 1998.

Source: Santa Barbara County records, as of July 8, 2026

Owner of Record	Company Name on File
Mailing Address	1014 LADERA LN, SANTA BARBARA, CA 93108-1630
Owner Type	Company
Vesting	Borrower in Default

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

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2020	Deed of Trust, Mortgage · Line of Credit HSBC BANK USA
May 31, 2017	Intrafamily Transfer, Transfer · ARM HSBC BANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 1998
Deed Sale	Jun 17, 1998
Prior Sale	Jun 15, 1998
Deed Document Number	199844485
Prior Transfer Date	May 27, 1997
Prior Transfer Doc	0000030732
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	1014 LADERA LN, SANTA BARBARA, CA 93108-1630
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	P0 BOX 5816 5816, SANTA BARBARA, CA 93150

Mortgage

Document Number	0000055134
Date	Oct 6, 2020
Instrument	2020-0055134

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA BARBARA CA
Recording Date	May 31, 2017
Property Address	1014 LADERA LN, SANTA BARBARA, CA 93108-1630
Document Number	0000025586
Map Reference	PM13921 MB42 PG74-76
Instrument Date	May 22, 2017
Instrument	2017-0025586
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	TICOR TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 LADERA LN, SANTA BARBARA, CA 93108-1630

Mortgage

Document Number	0000025587
Date	May 31, 2017
Instrument	2017-0025587

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.34%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.34%
Index	1-Year LIBOR
Max Rate	8.34%

Tax Assessment & Valuation

The 2025 property tax bill for 1014 Ladera Ln was $6,586.

Source: Santa Barbara County assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Unified School District	Carpinteria Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$625,991 (+2%) Land $294,844 Building $331,147
2025	$6,586.00	$613,717 Land $289,063 Building $324,654
2023	$6,343.00 (+1.65%)	$589,889 Land $277,840 Building $312,049
2022	$6,240.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1014 Ladera Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 24 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	20 (1978–2023)
Claims Outside the SFHA	14 of 20
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims Severe Winter Storms And Flooding, Feb 1998 · 3 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 3 claims

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

Wildfire risk around 1014 Ladera Ln is moderate, ranking above 62% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct 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 System	MONTECITO WATER DIST serves 12,010 people · EPA ID CA4210007
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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