Santa Cruz County property record for 104 Adobe St, Santa Cruz, CA 95060
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,927 sqft · built 1980 |
| Lot Size | 0.027 acres (1,176 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Aug 1996) |
| Tax Bill | $5,062 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-351-03 |
| Primary APN | 006-351-03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,927 sqft Living Area |
| Gross Area | 2,197 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Condo/Apartment |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 1,176 sqft (0.027 acres) |
| Garage Type | Attached |
| Garage Area | 270 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 162 sqft |
| Patio Area | 162 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 104 ADOBE ST |
|---|---|
| City | SANTA CRUZ |
| State | CA |
| Zip | 95060-3721 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Subdivision | ADOBE VILLA TR #748 |
| Legal Lot Number | 1 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 100700 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Mission Hill Area Historic District listed 1976 · 24 contributing resources · NRIS 76000530 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
104 Adobe St, a condominium, is owned and occupied by two individuals who acquired it in February 2015.
Source: Santa Cruz County records, as of August 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 ADOBE ST, SANTA CRUZ, CA 95060-3721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
| Date | Document |
|---|---|
| Mar 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Oct 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 1996 · Amount on File |
| Deed Sale | Aug 22, 1996 · Amount on File |
| Deed Document Number | 199647190 |
| Deed Book / Page | 5895 / 465 |
| Last Transfer Date | Feb 20, 2015 |
| Transfer Doc | 0000006386 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 104 ADOBE ST, SANTA CRUZ, CA 95060-3721 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 104 ADOBE ST, SANTA CRUZ, CA 95060-3721 |
| Document Number | 0000017592 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 2021-0017592 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 104 ADOBE ST, SANTA CRUZ, CA 95060-3721 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000033036 |
|---|---|
| Date | Oct 25, 2019 |
| Instrument | 2019-0033036 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2025 property tax bill for 104 Adobe St was $5,062.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $407,018 (+2%) Land $203,509 Building $203,509 | ||
| 2025 | $5,062.00 | $399,036 Land $199,518 Building $199,518 | |
| 2023 | $4,629.00 (+1.09%) | $383,542 Land $191,771 Building $191,771 | $921,690 |
| 2022 | $4,579.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Adobe 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 40 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 185 units insured incl. 145 condo units |
| Nearby Flood Claims | 5 (1984–2018) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Nov 2018 · other causes |
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 risk around 104 Adobe St is low, with 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 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 397 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Cruzio Fixed Wireless · Fiber in parts of the area | 1,000 / 1,000 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: GeoLinks, T-Mobile, Verizon.
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