112 School Ln, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 112 School Ln, Santa Cruz, CA 95060

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,153 sqft · built 1888
Lot Size	0.086 acres (3,746 sqft)
Owner	Trust Name on File
Last Sale	$319,000 (Jun 1998)
Tax Bill	$6,404 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`006-361-16`

Property Details

APN / Parcel Number

Primary APN	`006-361-16`
Alternative APN	`006-361-16-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,153 sqft Living Area
Gross Area	1,553 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,746 sqft (0.086 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	112 SCHOOL LN
City	SANTA CRUZ
State	CA
Zip	95060-3727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MISC 28 PG 153
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1002
Census Tract	100700

Historic Designation

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.

Owner

112 School Ln is owner-occupied and held in a trust since August 2019.

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

Owner of Record	Trust Name on File
Mailing Address	112 SCHOOL LN, SANTA CRUZ, CA 95060-3727
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
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Aug 21, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Oct 12, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Aug 30, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 1998 · Amount on File
Deed Sale	Jun 3, 1998 · Amount on File
Deed Document Number	199830882
Last Transfer Date	Aug 16, 2019
Transfer Doc	0000024257
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	112 SCHOOL LN, SANTA CRUZ, CA 95060-3727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 SCHOOL LN, SANTA CRUZ, CA 95060-3727

Mortgage

Document Number	0000035901
Date	Sep 14, 2020
Instrument	2020-0035901

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 21, 2019
Property Address	112 SCHOOL LN, SANTA CRUZ, CA 95060-3727
Document Number	0000024257
Instrument Date	Aug 16, 2019
Instrument	2019-0024257
Transaction Type	Transfer
Record Updated	Aug 17, 2021
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
Relationship	Revocable Trust
Address	112 SCHOOL LN, SANTA CRUZ, CA 95060-3727

Mortgage

Document Number	0000024258
Date	Aug 21, 2019
Instrument	2019-0024258

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2039

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CRUZ CA
Property Address	112 SCHOOL LN, SANTA CRUZ, CA 95060-3727
Document Number	0000037933
Instrument Date	Oct 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	112 SCHOOL LN SANTA CRUZ CA 950603727, SANTA CRUZ, CA 95060-3727

Mortgage

Document Number	0000037933
Date	Nov 9, 2017
Instrument	37933

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 30, 2017
Property Address	112 SCHOOL LN, SANTA CRUZ, CA 95060-3727
Document Number	0000028848
Instrument Date	Aug 23, 2017
Instrument	2017-0028848
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	112 SCHOOL LN, SANTA CRUZ, CA 95060-3727

Mortgage

Document Number	0000028849
Date	Aug 30, 2017
Instrument	2017-0028849

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 112 School Ln was $6,404.

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		$526,222 (+2%) Land $311,739 Building $214,483
2025	$6,404.00	$515,904 Land $305,626 Building $210,278
2023	$5,869.00 (+1.1%)	$495,872 Land $293,759 Building $202,113	$954,630
2022	$5,805.00

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

Flood

FEMA maps place 112 School Ln 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

Wildfire risk around 112 School Ln 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.

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 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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