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131 Echo St, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 131 Echo St, Santa Cruz, CA 95060

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,738 sqft · built 1961
Lot Size0.232 acres (10,088 sqft)
Owner2 Individual Names on File
Last Sale$1,600,000 (Apr 2022)
Tax Bill$19,800 (2025)
Deeds & MortgagesApr 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN002-084-35

Property Details

APN / Parcel Number

Primary APN002-084-35
Alternative APNs
  • 002-084-35-000
  • 00208428000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Building Area1,738 sqft Living Area
Gross Area2,211 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1995
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area10,088 sqft (0.232 acres)
Garage TypeAttached
Garage Area473 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address131 ECHO ST
CitySANTA CRUZ
StateCA
Zip95060-3010
Property CategoryResidential
Property TypeResidential > Single Family > Home
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group2
Census Block2008
Census Tract100500

Owner

131 Echo St is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record2 Individual Names on File
Mailing Address131 ECHO ST, SANTA CRUZ, CA 95060-3010
OccupancyOwner Occupied
Owner TypeIndividual
VestingCommunity Property

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 6, 2022 · Amount on File
Deed SaleApr 6, 2022 · Amount on File
Deed Document Number202211193
Record UpdatedSep 20, 2026

April 2022: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateApr 6, 2022
Property Address131 ECHO ST, SANTA CRUZ, CA 95060-3010
Document Number0000011193
Map ReferenceMB 17 PG 5
Instrument DateMar 25, 2022
Instrument2022-0011193
Transaction TypeTransfer
Record UpdatedApr 20, 2022
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,760.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address515 CALIFORNIA ST, SANTA CRUZ, CA 95060-4219

Mortgage

Document Number0000011194
DateApr 6, 2022
Instrument2022-0011194
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 131 Echo St was $19,800 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalitySanta Cruz City
Elementary School DistrictSanta Cruz City Elementary School District (KG - 05)
Secondary School DistrictSanta Cruz City High School District (6-12) (06 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,731,891 (+2%) Land $1,368,194 Building $363,697
2025$19,800.00 Homeowner's exemption$1,697,933 Land $1,341,367 Building $356,566
2023$18,258.00 (+229.39%) Homeowner's exemption$1,632,000 Land $1,289,280 Building $342,720$1,462,590
2022$5,543.00

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

Flood

FEMA maps place 131 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1998)
Claims Outside the SFHA1 of 1
Most Recent ClaimFeb 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 131 Echo St is low, with a 0.05% annual chance of wildfire.

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

Wildfire RiskLow
lower than 64% of the US · lower than 78% of California
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSANTA CRUZ WATER DEPARTMENT
serves 94,626 people · EPA ID CA4410010
Water SourceSurface water
Last State InspectionJun 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

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

May also be available: Cruzio, GeoLinks, T-Mobile, Verizon.

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