11 Cumbre Ln, Scotts Valley, CA 95066 Property Records

Santa Cruz County property record for 11 Cumbre Ln, Scotts Valley, CA 95066

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,663 sqft · built 1969
Lot Size	0.282 acres (12,284 sqft)
Owner	Individual Name on File
Last Sale	$1,200,000 (Mar 2021)
Tax Bill	$14,913 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023-161-01`

Property Details

APN / Parcel Number

Primary APN	`023-161-01`
Alternative APN	`023-161-01-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Building Area	2,663 sqft Living Area
Gross Area	3,191 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	12,284 sqft (0.282 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	451 sqft
Patio Area	451 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	11 CUMBRE LN
City	SCOTTS VALLEY
State	CA
Zip	95066-3306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SCOTTS VALLEY
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2002
Census Tract	120902

Owner

11 Cumbre Ln is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	11 CUMBRE LN, SCOTTS VALLEY, CA 95066-3306
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2021 · Amount on File
Deed Sale	Mar 26, 2021 · Amount on File
Prior Sale	Sep 13, 2002 · Amount on File
Deed Document Number	202117596
Prior Transfer Date	Nov 5, 2012
Prior Transfer Doc	0000062982
Record Updated	Sep 20, 2026

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 26, 2021
Property Address	11 CUMBRE LN, SCOTTS VALLEY, CA 95066-3306
Document Number	0000017596
Instrument Date	Mar 10, 2021
Instrument	2021-0017596
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	11 CUMBRE LN, SANTA CRUZ, CA 95066-3306

Mortgage

Document Number	0000017597
Date	Mar 26, 2021
Instrument	2021-0017597

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Mortgage

Document Number	0000017598
Date	Mar 26, 2021
Instrument	2021-0017598

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 11 Cumbre Ln was $14,913 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		$1,324,897 (+2%) Land $794,938 Building $529,959
2025	$14,913.00 Homeowner's exemption	$1,298,918 Land $779,351 Building $519,567
2023	$13,808.00 (+1.53%) Homeowner's exemption	$1,248,480 Land $749,088 Building $499,392	$1,230,120
2022	$13,600.00

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

Flood

FEMA maps place 11 Cumbre Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2012 · 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

Wildfire risk around 11 Cumbre Ln is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.1% 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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Cruzio Fixed Wireless	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Etheric Networks, Verizon.

Nearby Properties on Cumbre Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures