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1196 Pine Flat Rd, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 1196 Pine Flat Rd, Santa Cruz, CA 95060

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,310 sqft · built 1985
Lot Size0.489 acres (21,301 sqft)
OwnerIndividual Name on Record
Last Sale$375,000 (Jun 1998)
Tax Bill$7,521 (2025)
Deeds & MortgagesFeb 2022 Mortgage
Jun 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN080-372-08

Property Details

APN / Parcel Number

Primary APN080-372-08
Alternative APN
  • 080-372-08-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area2,310 sqft Living Area

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area21,301 sqft (0.489 acres)
Deck Area743 sqft
Patio Area743 sqft

Utilities, Heating & Cooling

Heating SystemFloor/Wall Furnace
SewerSeptic
Water SourceWell

Location & Zoning

Street Address1196 PINE FLAT RD
CitySANTA CRUZ
StateCA
Zip95060-9752
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRR
Legal DescriptionTWP 10S RGE 03W SEC 13
JurisdictionSANTA CRUZ CA
Township / Civil DivisionWEST SANTA CRUZ
Census Block Group1
Census Block1005
Census Tract120200

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address1196 PINE FLAT RD, SANTA CRUZ, CA 95060-9752
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 10, 2022Intrafamily Transfer, Transfer · Conventional Mortgage
LADERA LENDING INC
Jun 25, 2020Deed of Trust, Mortgage · Conventional Mortgage
ADVANTAGEFIRST LNDG INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 16, 1998 · Amount on Record
Deed SaleJun 16, 1998 · Amount on Record
Deed Document Number199833673
Last Transfer DateOct 8, 2021
Transfer Doc0000004482
Record UpdatedSep 20, 2026

February 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateFeb 10, 2022
Property Address1196 PINE FLAT RD, SANTA CRUZ, CA 95060-9752
Document Number0000004482
Instrument DateOct 8, 2021
Instrument2022-0004482
Transaction TypeTransfer
Record UpdatedFeb 23, 2022
Title CompanyUNISOURCE

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1196 PINE FLAT RD, SANTA CRUZ, CA 95060-9752

Mortgage

Document Number0000004483
DateFeb 10, 2022
Instrument2022-0004483
Lender
NameLADERA LENDING INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term177 Months
DueNov 1, 2036

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address1196 PINE FLAT RD, SANTA CRUZ, CA 95060-9752
Document Number0000023455
Instrument DateJun 25, 2020
Transaction TypeMortgage
Record UpdatedJul 21, 2020
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1196 PINE FLAT RD SANTA CRUZ CA 950609752, SANTA CRUZ, CA 95060-9752

Mortgage

Document Number0000023455
DateJun 30, 2020
Instrument23455
Lender
NameADVANTAGEFIRST LNDG INC
AddressRANCHO SANTA MARGARI, CA 92688
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 29, 2035

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Elementary School DistrictBonny Doon Union Elementary School District (KG - 06)
Secondary School DistrictSanta Cruz City High School District (07 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$610,771 (+2%) Land $285,026 Building $325,745
2025$7,521.00 (+9.86%) Homeowner's exemption$598,796 (+4.04%) Land $279,438 Building $319,358
2023$6,846.00 (+1.77%) Homeowner's exemption$575,544 Land $268,587 Building $306,957$946,350
2022$6,727.00

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims7 (1995–2023)
Claims Outside the SFHA4 of 7
Most Recent ClaimJan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Winter Storms And Flooding, Feb 1998 · 4 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 RiskModerate
above 42% of the US · lower than 75% of California
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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