1014 Windham St, Santa Cruz, CA 95062 Property Records

Santa Cruz County property record for 1014 Windham St, Santa Cruz, CA 95062

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,164 sqft · built 1966
Lot Size	0.123 acres (5,358 sqft)
Owner	Trust Name on File
Last Sale	$998,000 (Dec 2019)
Tax Bill	$12,883 (2025)
Deeds & Mortgages	May 2019 Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011-093-01`

Property Details

APN / Parcel Number

Primary APN	`011-093-01`
Alternative APN	`011-093-01-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,164 sqft Living Area
Gross Area	2,574 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1996
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	5,358 sqft (0.123 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1014 WINDHAM ST
City	SANTA CRUZ
State	CA
Zip	95062-3450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	HARBOR WOOD
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2003
Census Tract	100900

Owner

1014 Windham St is owner-occupied and held in a trust since December 2019.

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

Owner of Record	Trust Name on File
Mailing Address	1014 WINDHAM ST, SANTA CRUZ, CA 95062-3450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

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
May 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Feb 5, 2020	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Dec 27, 2019	Grant Deed, Transfer STEWART TITLE, STEWART TITLE/CA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2019 · Amount on File
Deed Sale	Dec 27, 2019 · Amount on File
Prior Sale	Jun 30, 2005 · Amount on File
Deed Document Number	201941047
Prior Transfer Date	Feb 19, 2003
Prior Transfer Doc	0000017931
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1014 WINDHAM ST, SANTA CRUZ, CA 95062-3450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012615
Date	May 13, 2019
Instrument	2019-0012615

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2034

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1014 WINDHAM ST, SANTA CRUZ, CA 95062-3450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004325
Date	Feb 5, 2020
Instrument	2020-0004325

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 27, 2019
Property Address	1014 WINDHAM ST, SANTA CRUZ, CA 95062-3450
Document Number	0000041047
Instrument Date	Dec 18, 2019
Instrument	41047
Transaction Type	Transfer
Record Updated	Jan 15, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount on Record
Tax	$1,097.80
Amount Accuracy	Full Value
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1014 WINDHAM ST SANTA CRUZ CA 950623450, SANTA CRUZ, CA 95062-3450

Tax Assessment & Valuation

The 2025 property tax bill for 1014 Windham St was $12,883 with a homeowner's exemption.

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		$1,113,009 (+2%) Land $779,106 Building $333,903
2025	$12,883.00 Homeowner's exemption	$1,091,186 Land $763,830 Building $327,356
2023	$11,852.00 (+1.15%) Homeowner's exemption	$1,048,813 Land $734,169 Building $314,644	$1,053,090
2022	$11,717.00

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

Flood

FEMA maps place 1014 Windham St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1014 Windham St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 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 635 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
Starlink Satellite	280 / 30

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

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