1017 3rd St, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 1017 3rd St, Santa Cruz, CA 95060

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,412 sqft · built 1910
Lot Size	0.15 acres (6,534 sqft)
Owner	Trust Name on File
Last Sale	$1,445,000 (Feb 2017)
Tax Bill	$20,363 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`007-131-14`

Property Details

APN / Parcel Number

Primary APN	`007-131-14`
Alternative APNs	`007-131-14-000` `00561214000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	3,412 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1970
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1017 3RD ST
City	SANTA CRUZ
State	CA
Zip	95060-5005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SANTA CRUZ
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3009
Census Tract	101002

Owner

1017 3rd St is owner-occupied and held in a trust since June 2020.

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

Owner of Record	Trust Name on File
Mailing Address	PO BOX 1279, SANTA CRUZ, CA 95061-1279
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
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 11, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jan 11, 2021	Quit Claim Deed, Transfer AMROCK INC
Aug 31, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Feb 22, 2017	Grant Deed, Transfer OPES ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2017 · Amount on File
Deed Sale	Feb 22, 2017 · Amount on File
Prior Sale	May 28, 2004 · Amount on File
Deed Document Number	20176370
Last Transfer Date	Jun 19, 2020
Transfer Doc	0000001398
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1017 3RD ST, SANTA CRUZ, CA 95060-5005
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 3RD ST, SANTA CRUZ, CA 95060-5005

Mortgage

Document Number	0000001105
Date	Jan 11, 2022
Instrument	2022-0001105

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 11, 2021
Property Address	1017 3RD ST, SANTA CRUZ, CA 95060-5005
Document Number	0000001396
Instrument Date	Jun 19, 2020
Instrument	2021-0001396
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1017 3RD ST, SANTA CRUZ, CA 95060-5005

Mortgage

Document Number	0000001397
Date	Jan 11, 2021
Instrument	2021-0001397

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jul 1, 2050

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 11, 2021
Property Address	1017 3RD ST, SANTA CRUZ, CA 95060-5005
Document Number	0000001398
Instrument Date	Jun 19, 2020
Instrument	1398
Transaction Type	Transfer
Record Updated	Feb 3, 2021
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1017 3RD ST SANTA CRUZ CA 950605005, SANTA CRUZ, CA 95060-5005

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 31, 2018
Property Address	1017 3RD ST, SANTA CRUZ, CA 95060-5005
Document Number	0000026821
Instrument Date	Aug 30, 2018
Instrument	26821
Transaction Type	Transfer
Record Updated	Sep 19, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 1279 SANTA CRUZ CA 950611279, SANTA CRUZ, CA 95061-1279

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 22, 2017
Property Address	1017 3RD ST, SANTA CRUZ, CA 95060-5005
Document Number	0000006370
Instrument Date	Feb 17, 2017
Instrument	6370
Transaction Type	Transfer
Record Updated	Oct 2, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,589.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 1279 SANTA CRUZ CA 950611279, SANTA CRUZ, CA 95061-1279

Mortgage

Document Number	6371
Date	Feb 22, 2017
Instrument	6371

Lender

Name	OPES ADVISORS
Address	19330 STEVENS CREEK BLVD, CUPERTINO, CA 95014-2551

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 21, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1017 3rd St was $20,363 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		$1,782,243 (+2%) Land $1,000,309 Building $781,934
2025	$20,363.00 Homeowner's exemption	$1,747,296 Land $980,695 Building $766,601
2023	$18,763.00 (+1.16%) Homeowner's exemption	$1,679,447 Land $942,614 Building $736,833	$1,453,230
2022	$18,547.00

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

Flood

FEMA maps place 1017 3rd St 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 July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A99, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 65 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	80 units insured incl. 15 condo units

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

The area around 1017 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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