115 Gail Dr, Felton, CA 95018 Property Records

Santa Cruz County property record for 115 Gail Dr, Felton, CA 95018

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,056 sqft · built 1975
Lot Size	0.146 acres (6,360 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Sep 2006)
Tax Bill	$8,934 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`064-181-06`

Property Details

APN / Parcel Number

Primary APN	`064-181-06`
Alternative APN	`064-181-06-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,360 sqft (0.146 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	115 GAIL DR
City	FELTON
State	CA
Zip	95018-9631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	LOT 37 TR 18
Legal Subdivision	GOLD GULCH RIVER PARK
Legal Tract	18
Legal Lot Number	37
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1032
Census Tract	120700

Owner

115 Gail Dr is owned and occupied by an individual who acquired it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	115 GAIL DR, FELTON, CA 95018-9631
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

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage JWH FINANCIAL INC
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage JWH FINANCIAL INC
Sep 18, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage JWH FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2006 · Amount on File
Deed Sale	Sep 8, 2006 · Amount on File
Prior Sale	May 29, 2003 · Amount on File
Deed Document Number	200652634
Last Transfer Date	Sep 13, 2019
Transfer Doc	0000028076
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	115 GAIL DR, FELTON, CA 95018-9631
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 GAIL DR, FELTON, CA 95018-9631

Mortgage

Document Number	0000040549
Date	Aug 2, 2021
Instrument	2021-0040549

Lender

Name	JWH FINANCIAL INC
Type	Funding / Finance Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	115 GAIL DR, FELTON, CA 95018-9631
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 GAIL DR, FELTON, CA 95018-9631

Mortgage

Document Number	0000013170
Date	Mar 4, 2021
Instrument	2021-0013170

Lender

Name	JWH FINANCIAL INC
Type	Funding / Finance Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 18, 2019
Property Address	115 GAIL DR, FELTON, CA 95018-9631
Document Number	0000028076
Map Reference	MB 26 PG 17
Instrument Date	Sep 13, 2019
Instrument	2019-0028076
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE GUARANTY CO

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	115 GAIL DR, FELTON, CA 95018-9631

Mortgage

Document Number	0000028077
Date	Sep 18, 2019
Instrument	2019-0028077

Lender

Name	JWH FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 115 Gail Dr was $8,934 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
Unified School District	San Lorenzo Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$703,793 (+2%) Land $422,277 Building $281,516
2025	$8,934.00 Homeowner's exemption	$689,993 Land $413,997 Building $275,996
2023	$8,478.00 (+2.26%) Homeowner's exemption	$663,200 Land $397,921 Building $265,279	$657,090
2022	$8,291.00

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

Flood

FEMA maps place 115 Gail Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 57 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	26 (1995–2023)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 16 claims Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 7 claims Severe Winter Storms And Flooding, Feb 1998 · 2 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

Wildfire risk around 115 Gail Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	SLVWD - FELTON WATER SYSTEM private · serves 4,491 people · EPA ID CA4410002
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	2 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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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