Santa Cruz County property record for 1315 Laurel St, Santa Cruz, CA 95060
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,189 sqft · built 1940 |
| Lot Size | 0.177 acres (7,710 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (May 1996) |
| Tax Bill | $4,602 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-311-06 |
| Primary APN | 006-311-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,189 sqft Living Area |
| Gross Area | 1,589 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 7,710 sqft (0.177 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1315 LAUREL ST |
|---|---|
| City | SANTA CRUZ |
| State | CA |
| Zip | 95060-3518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | WILLOWBROOK |
| Legal Block | C |
| Legal Lot Number | 16 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 100600 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Santa Cruz Downtown Historic District listed 1989 · 186 contributing resources · NRIS 89001005 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
1315 Laurel St is owned and occupied by two individuals who acquired it in November 2011.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1315 LAUREL ST, SANTA CRUZ, CA 95060-3518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Oct 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 1996 · Amount on File |
| Deed Sale | May 13, 1996 · Amount on File |
| Deed Document Number | 199626750 |
| Deed Book / Page | 5844 / 421 |
| Last Transfer Date | Nov 4, 2011 |
| Transfer Doc | 0000046640 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 1315 LAUREL ST, SANTA CRUZ, CA 95060-3518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000005968 |
|---|---|
| Date | Feb 17, 2017 |
| Instrument | 2017-0005968 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | SAN BRUNO, CA 94066 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 1315 LAUREL ST, SANTA CRUZ, CA 95060-3518 |
| Document Number | 0000034700 |
| Instrument Date | Oct 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2019 |
| Title Company | AMROCK TITLE CA INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1315 LAUREL ST SANTA CRUZ CA 950603518, SANTA CRUZ, CA 95060-3518 |
| Document Number | 0000034700 |
|---|---|
| Date | Nov 7, 2019 |
| Instrument | 34700 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 6, 2034 |
The 2025 property tax bill for 1315 Laurel St was $4,602 with a homeowner's exemption.
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 | $372,164 (+2%) Land $186,082 Building $186,082 | ||
| 2025 | $4,602.00 Homeowner's exemption | $364,868 Land $182,434 Building $182,434 | |
| 2023 | $4,201.00 (+1.11%) Homeowner's exemption | $350,698 Land $175,349 Building $175,349 | $842,040 |
| 2022 | $4,155.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1315 Laurel St in Zone X, an area of minimal flood risk.
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 | 4 in force |
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 1315 Laurel St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 814 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Cruzio Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GeoLinks.
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