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1020 Pine Flat Rd, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 1020 Pine Flat Rd, Santa Cruz, CA 95060

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,215 sqft · built 1997
Lot Size9.75 acres (424,884 sqft)
Owner2 Trust Names on Record
Last Sale$981,000 (Aug 2017)
Tax Bill$3,114 (2025)
Deeds & MortgagesApr 2018 Line of Credit
Oct 2020 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN080-372-17

Property Details

APN / Parcel Number

Primary APN080-372-17
Alternative APN
  • 080-372-17-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms4 Rooms
Building Area1,215 sqft Living Area
Gross Area1,815 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area424,884 sqft
Garage TypeAttached
Garage Area600 sqft
Parking Spaces2 Parking Spaces
Total Buildings2 Buildings

Utilities, Heating & Cooling

Heating SystemHVAC

Location & Zoning

Street Address1020 PINE FLAT RD
CitySANTA CRUZ
StateCA
Zip95060-9752
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRR
JurisdictionSANTA CRUZ CA
Township / Civil DivisionWEST SANTA CRUZ
Census Block Group1
Census Block1005
Census Tract120200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Trust Names on Record
Mailing Address1020 PINE FLAT RD, SANTA CRUZ, CA 95060-9752
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Apr 26, 2018Deed of Trust, Mortgage · Line of Credit
SANTA CRUZ COUNTY BANK
Oct 2, 2020Quit Claim Deed, Transfer
STEWART TITLE, STEWART TITLE/CA
Sep 24, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
QUICKEN LOANS LLC
Nov 16, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY
Aug 17, 2017Grant Deed, Transfer · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 17, 2017 · Amount on Record
Deed SaleAug 17, 2017 · Amount on Record
Deed Document Number201727294
Last Transfer DateSep 28, 2020
Transfer Doc0000039666
Record UpdatedSep 20, 2026

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address1020 PINE FLAT RD, SANTA CRUZ, CA 95060-9752
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanySTEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000012606
DateApr 26, 2018
Instrument2018-0012606
Lender
NameSANTA CRUZ COUNTY BANK
TypeBank
AddressSANTA CRUZ, CA 95061
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateOct 2, 2020
Property Address1020 PINE FLAT RD, SANTA CRUZ, CA 95060-9752
Document Number0000039666
Instrument DateSep 18, 2020
Instrument39666
Transaction TypeTransfer
Record UpdatedNov 4, 2020
Title CompanySTEWART TITLE, STEWART TITLE/CA

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address1020 PINE FLAT RD SANTA CRUZ CA 950609752, SANTA CRUZ, CA 95060-9752

September 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateSep 24, 2020
Property Address1020 PINE FLAT RD, SANTA CRUZ, CA 95060-9752
Document Number0000038096
Instrument DateJul 24, 2020
Instrument2020-0038096
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanySTEWART TITLE OF CA INC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address1020 PINE FLAT RD, SANTA CRUZ, CA 95060-9752

Mortgage

Document Number0000038097
DateSep 24, 2020
Instrument2020-0038097
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

November 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateNov 16, 2017
Property Address1020 PINE FLAT RD, SANTA CRUZ, CA 95060-9752
Document Number0000038593
Instrument DateNov 16, 2017
Instrument38593
Transaction TypeTransfer
Record UpdatedDec 5, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
AddressPO BOX 1677 APTOS CA 950011677, APTOS, CA 95001-1677

August 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateAug 17, 2017
Property Address1020 PINE FLAT RD, SANTA CRUZ, CA 95060-9752
Document Number0000027294
Instrument DateJan 6, 2012
Instrument2017-0027294
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyOLD REPUBLIC TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address10 PINE FLAT RD, SANTA CRUZ, CA 95060-9707

Mortgage

Document Number0000027295
DateAug 17, 2017
Instrument2017-0027295
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Elementary School DistrictBonny Doon Union Elementary School District (KG - 06)
Secondary School DistrictSanta Cruz City High School District (07 - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$196,876 (+2%) Land $118,126 Building $78,750
2025$3,114.00 (+11.33%) Homeowner's exemption$193,016 (+4.04%) Land $115,810 Building $77,206
2023$2,797.00 (+2.34%) Homeowner's exemption$185,522 Land $111,314 Building $74,208
2022$2,733.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims7 (1995–2023)
Claims Outside the SFHA4 of 7
Most Recent ClaimJan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Winter Storms And Flooding, Feb 1998 · 4 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

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

Wildfire RiskModerate
above 46% of the US · lower than 72% of California
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35

Cell Coverage

No cell data coverage reported

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