1322 E Cota St, Santa Barbara, CA 93103 Property Records

Santa Barbara County property record for 1322 E Cota St, Santa Barbara, CA 93103

Property Summary

Property Type	Single Family Home
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Trust Names on File
Last Sale	$2,650,000 (Sep 2026)
Tax Bill	$27,466 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`031-262-018`

Property Details

APN / Parcel Number

Primary APN	`031-262-018`
Alternative APN	`03126218`

Exterior

Architectural Style	Duplex Single
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1322 E COTA ST
City	SANTA BARBARA
State	CA
Zip	93103-2560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LAS CASITAS TR 6 LOT 10
Legal Subdivision	LAS CASITAS NO.6
Legal Tract	6
Legal Lot Number	10
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA BARBARA
Census Block Group	3
Census Block	3000
Census Tract	801

Owner

1322 E Cota St is held in a trust since September 2026.

Source: Santa Barbara County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1217 ROYCOTT WAY, SAN JOSE, CA 95125-3464
Owner Type	Company
Vesting	Trust, Family Trust

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 18, 2026	Grant Deed, Transfer · Conventional Mortgage ML MORTGAGE CORPORATION
Nov 7, 2022	Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY
Nov 6, 2020	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Jun 28, 2019	Deed of Trust, Mortgage · Line of Credit KEYPOINT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2026 · Amount on File
Deed Sale	Sep 18, 2026 · Amount on File
Prior Sale	Nov 7, 2022 · Amount on File
Deed Document Number	202631847
Prior Transfer Date	Dec 2, 2009
Prior Transfer Doc	0000074757
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Sep 18, 2026
Property Address	1322 E COTA ST, SANTA BARBARA, CA 93103-2560
Document Number	0000031847
Instrument Date	Sep 16, 2026
Instrument	202631847
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NATIONAL TITLE INSURANCE C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$294,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1217 ROYCOTT WAY, SAN JOSE, CA 95125-3464

Mortgage

Document Number	0000031848,
Date	Sep 18, 2026
Instrument	202631848

Lender

Name	ML MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Nov 7, 2022
Property Address	1322 E COTA ST, SANTA BARBARA, CA 93103-2560
Document Number	0000046578
Map Reference	MB 15 PG 104&105
Instrument Date	Apr 22, 2022
Instrument	2022-0046578
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	PO BOX 395, LOS OLIVOS, CA 93441-0395

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Nov 6, 2020
Property Address	1322 E COTA ST, SANTA BARBARA, CA 93103-2560
Document Number	0000063837
Instrument Date	Nov 4, 2020
Instrument	63837
Transaction Type	Transfer
Record Updated	Nov 18, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Tax	$1,925.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1322 E COTA ST SANTA BARBARA CA 931032560, SANTA BARBARA, CA 93103-2560

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	1322 E COTA ST, SANTA BARBARA, CA 93103-2560
Document Number	0000029156
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 25, 2019
Title Company	SPL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1322 E COTA ST SANTA BARBARA CA 931032560, SANTA BARBARA, CA 93103-2560

Mortgage

Document Number	0000029156
Date	Jul 12, 2019
Instrument	29156

Lender

Name	KEYPOINT CU
Type	Credit Union
Address	SANTA CLARA, CA 95051

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1322 E Cota St was $27,466.

Source: Santa Barbara County assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Municipality	Santa Barbara City
Unified School District	Santa Barbara Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,653,020 (+2%) Land $1,061,208 Building $1,591,812
2025	$27,466.00	$2,601,000 Land $1,040,400 Building $1,560,600
2023	$26,507.00 (+40.16%)	$2,500,000 Land $1,000,000 Building $1,500,000
2022	$18,912.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1322 E Cota St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1995)
Most Recent Claim	Mar 1995 · Severe Winter Storms, Flooding Landslides, Mud Flow

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 1322 E Cota St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	CITY OF SANTA BARBARA WATER DEPARTMENT serves 93,334 people · EPA ID CA4210010
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2024–2026) 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 536 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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