FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
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
Address
102 ELZER DR, SCOTTS VALLEY, CA 95066-4901
Mortgage
Document Number
0000003159
Date
Jan 31, 2022
Instrument
2022-0003159
Lender
Name
MERCHANTS REALTY & LOAN CORP
Type
Mortgage Company
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
361 Months
Due
Feb 1, 2052
April 2021: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SANTA CRUZ CA
Property Address
102 ELZER DR, SCOTTS VALLEY, CA 95066-4901
Transaction Type
Mortgage
Record Updated
Apr 20, 2021
Title Company
SOLIDIFI TITLE COMPANY/CA, SOLIDIFI TITLE CO
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
102 ELZER DR, SCOTTS VALLEY, CA 95066-4901
Mortgage
Document Number
0000020469
Date
Apr 8, 2021
Instrument
2021-0020469
Lender
Name
PENNYMAC LOAN SERVICES LLC
Type
Mortgage Company
Address
WESTLAKE VILLAGE, CA 91361
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
361 Months
Due
May 1, 2051
July 2020: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SANTA CRUZ CA
Property Address
102 ELZER DR, SCOTTS VALLEY, CA 95066-4901
Transaction Type
Mortgage
Record Updated
Feb 5, 2021
Title Company
FIDELITY NATIONAL TITLE
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
0000023703
Date
Jul 1, 2020
Instrument
2020-0023703
Lender
Name
PROFESSIONAL MORTGAGE SOURCE LLC
Type
Mortgage Company
Address
ENGLEWOOD, CO 80111
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Jul 1, 2050
August 2018: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SANTA CRUZ CA
Property Address
102 ELZER DR, SCOTTS VALLEY, CA 95066-4901
Document Number
0000027715
Instrument Date
Aug 29, 2018
Transaction Type
Mortgage
Record Updated
Sep 27, 2018
Title Company
WFG LENDER SERVICES
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
102 ELZER DR SCOTTS VALLEY CA 950664901, SCOTTS VALLEY, CA 95066-4901
Mortgage
Document Number
0000027715
Date
Sep 11, 2018
Instrument
27715
Lender
Name
BANK OF AMERICA
Type
Bank
Address
TAMPA, FL 33634
Agreement
Type
Line of Credit
Amount
Amount on Record
Interest
Rate Type
Adjustable Rate
Tax Assessment & Valuation
The 2025 property tax bill for 102 Elzer Dr was $12,681 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
Scotts Valley City
Unified School District
Scotts Valley Unified School District (KG - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2026
$1,044,047 (+2%)Land $678,630Building $365,417
2025
$12,681.00Homeowner's exemption
$1,023,576Land $665,324Building $358,252
2023
$11,644.00 (+1.97%)Homeowner's exemption
$983,828Land $639,488Building $344,340
$991,260
2022
$11,419.00
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 102 Elzer Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1982.
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
Flood Insurance Cost
Premium on File median of 16 policies
Community Rating System
Class 7 (15% premium discount)
Nearby Flood Policies
16 in force
Nearby Flood Claims
3 (1982–2022)
Claims Outside the SFHA
2 of 3
Most Recent Claim
Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides
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 102 Elzer Dr is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood
0.07% annual chance
Exposure
Indirect within ember reach
Adjoins Burnable Land
Yes
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
SCOTTS VALLEY WATER DISTRICT serves 11,197 people · EPA ID CA4410013
Water Source
Groundwater
Last State Inspection
May 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
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 73 locations within half a mile, as of December 31, 2025