1196 E Mountain Dr, Santa Barbara, CA 93108 Property Records

Santa Barbara County property record for 1196 E Mountain Dr, Santa Barbara, CA 93108

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 8,012 sqft · built 1993
Lot Size	6.51 acres (284,011 sqft)
Owner	2 Individual Names on Record
Tax Bill	$106,022 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2021 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`011-020-004`

Property Details

APN / Parcel Number

Primary APN	`011-020-004`
Alternative APN	`01102004`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Building Area	8,012 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2006
Lot Area	284,011 sqft

Location & Zoning

Street Address	1196 E MOUNTAIN DR
City	SANTA BARBARA
State	CA
Zip	93108-1119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5E1
Legal Description	SECTION LANDS POR OF
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA BARBARA
Census Block Group	1
Census Block	1010
Census Tract	1500

Owner

Source: Santa Barbara County records, as of July 8, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 342, COLUMBIA, MO 65205-0342
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage UMB BANK NA
Dec 9, 2021	Deed of Trust, Mortgage · Construction Mortgage UMB BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2004
Deed Sale	Feb 10, 2004
Prior Sale	Mar 7, 1996
Deed Document Number	200412343
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	1196 E MOUNTAIN DR, SANTA BARBARA, CA 93108-1119
Transaction Type	Mortgage
Record Updated	Dec 26, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 E ROCK BRIDGE LN, COLUMBIA, MO 65203-8944

Mortgage

Document Number	0000037357
Date	Dec 15, 2023
Instrument	2023-0037357

Lender

Name	UMB BANK NA
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	1196 E MOUNTAIN DR, SANTA BARBARA, CA 93108-1119
Transaction Type	Mortgage
Record Updated	Dec 20, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 E ROCK BRIDGE LN, COLUMBIA, MO 65203-8944

Mortgage

Document Number	0000083842
Date	Dec 9, 2021
Instrument	2021-0083842

Lender

Name	UMB BANK NA
Type	Bank
Address	COLUMBIA, MO 65203

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Santa Barbara County assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Secondary School District	Santa Barbara Unified School District (7-12) (07 - 12)
Elementary School District	Cold Spring Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$10,368,293 (+2.06%) Land $5,209,780 Building $5,158,513
2025	$106,022.00 (+1.86%)	$10,159,114 (+22.63%) Land $5,107,629 Building $5,051,485
2024	$104,091.00 (+20.12%)
2023	$86,654.00 (+13.48%)	$8,284,315 Land $4,909,295 Building $3,375,020
2022	$76,363.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 86 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	86 in force
Nearby Flood Claims	47 (1980–2025)
Claims Outside the SFHA	25 of 47
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 4 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 6 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 Risk	Moderate above 51% of the US · lower than 70% of California
Wildfire Likelihood	0.09% 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	MONTECITO WATER DIST serves 12,010 people · EPA ID CA4210007
Water Source	Surface water
Last State Inspection	Dec 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	1 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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