Santa Cruz County property record for 124 Echo St, Santa Cruz, CA 95060
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,209 sqft · built 1964 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $765,000 (Jun 2014) |
| Tax Bill | $11,214 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-083-36 |
| Primary APN | 002-083-36 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,209 sqft Living Area |
| Gross Area | 2,635 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Bungalow |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 3,920 sqft (0.09 acres) |
| Garage Type | Attached |
| Garage Area | 426 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 124 ECHO ST |
|---|---|
| City | SANTA CRUZ |
| State | CA |
| Zip | 95060-3011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | WAVE CREST |
| Legal Block | 6 |
| Legal Lot Number | 5 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 100500 |
124 Echo St is owned by an individual who acquired it in July 2026.
Source: Santa Cruz County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1701 GRANITE CREEK RD, SANTA CRUZ, CA 95065-9735 |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 7, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 6, 2014 · Amount on File |
| Deed Sale | Jun 6, 2014 · Amount on File |
| Prior Sale | Sep 30, 2005 · Amount on File |
| Deed Document Number | 201418219 |
| Last Transfer Date | Jul 23, 2026 |
| Transfer Doc | 0000017885 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 7, 2026 |
| Property Address | 124 ECHO ST, SANTA CRUZ, CA 95060-3011 |
| Document Number | 0000017885 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 202617885 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 1701 GRANITE CREEK RD, SANTA CRUZ, CA 95065-9735 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 124 ECHO ST, SANTA CRUZ, CA 95060-3011 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 7 S CIRCLE DR, SANTA CRUZ, CA 95060-1808 |
| Document Number | 0000023091 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 2021-0023091 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 124 Echo St was $11,214.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $956,541 (+2%) Land $718,969 Building $237,572 | ||
| 2025 | $11,214.00 | $937,786 Land $704,872 Building $232,914 | |
| 2023 | $10,313.00 (+1.14%) | $901,371 Land $677,501 Building $223,870 | $1,219,770 |
| 2022 | $10,197.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 124 Echo St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1998 · 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 risk around 124 Echo St is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 74% of California |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Cruzio, GeoLinks, T-Mobile, Verizon.
5G (outdoors only) and 4G LTE
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