128 Echo St, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 128 Echo St, Santa Cruz, CA 95060

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,339 sqft · built 1964
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Company Names on File
Last Sale	$1,300,000 (Sep 2022)
Tax Bill	$15,942 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`002-083-35`

Property Details

APN / Parcel Number

Primary APN	`002-083-35`
Alternative APN	`002-083-35-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,339 sqft Living Area
Gross Area	2,765 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2000
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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	128 ECHO ST
City	SANTA CRUZ
State	CA
Zip	95060-3011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WAVE CRST
Legal Lot Number	4
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2010
Census Tract	100500

Owner

128 Echo St is owned by a company that bought it in September 2022.

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

Owner of Record	2 Company Names on File
Mailing Address	128 ECHO ST, SANTA CRUZ, CA 95060-3011
Owner Type	Company
Vesting	Life Tenant

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 16, 2022	Grant Deed, Transfer · Conventional Mortgage OAKTREE FUNDING CORP
Oct 15, 2020	Affidavit of Death, Transfer NOT AVAILABLE
Oct 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2022 · Amount on File
Deed Sale	Sep 16, 2022 · Amount on File
Prior Sale	Aug 27, 1999 · Amount on File
Deed Document Number	202226029
Prior Transfer Date	Sep 22, 2020
Prior Transfer Doc	0000041825
Record Updated	Sep 20, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 16, 2022
Property Address	128 ECHO ST, SANTA CRUZ, CA 95060-3011
Document Number	0000026029
Map Reference	VOL 17 PG 5
Instrument Date	Aug 11, 2022
Instrument	2022-0026029
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	128 ECHO ST, SANTA CRUZ, CA 95060-3011

Mortgage

Document Number	0000026030
Date	Sep 16, 2022
Instrument	2022-0026030

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

October 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 15, 2020
Property Address	128 ECHO ST, SANTA CRUZ, CA 95060-3011
Document Number	0000041824
Instrument Date	Sep 22, 2020
Instrument	41824
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	128 ECHO ST SANTA CRUZ CA 950603011, SANTA CRUZ, CA 95060-3011

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 15, 2020
Property Address	128 ECHO ST, SANTA CRUZ, CA 95060-3011
Document Number	0000041825
Instrument Date	Sep 22, 2020
Instrument	41825
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	128 ECHO ST SANTA CRUZ CA 950603011, SANTA CRUZ, CA 95060-3011

Tax Assessment & Valuation

The 2025 property tax bill for 128 Echo St was $15,942.

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		$1,379,570 (+2%) Land $965,699 Building $413,871
2025	$15,942.00	$1,352,520 Land $946,764 Building $405,756
2023	$14,681.00 (+107.53%)	$1,300,000 Land $910,000 Building $390,000	$1,148,310
2022	$7,074.00

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

Flood

FEMA maps place 128 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

Wildfire risk around 128 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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Echo St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures