1323 Laurel St, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 1323 Laurel St, Santa Cruz, CA 95060

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,893 sqft · built 1920
Lot Size	0.178 acres (7,754 sqft)
Owner	Individual Name on File
Last Sale	$735,000 (Apr 2019)
Tax Bill	$9,790 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`006-311-04`

Property Details

APN / Parcel Number

Primary APN	`006-311-04`
Alternative APN	`006-311-04-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	2,893 sqft Living Area
Gross Area	3,506 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1945
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,754 sqft (0.178 acres)
Garage Type	Attached
Garage Area	368 sqft
Parking Spaces	1 Parking Space
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1323 LAUREL ST
City	SANTA CRUZ
State	CA
Zip	95060-3518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WILLOW BROOK
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2011
Census Tract	100600

Historic Designation

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.

Owner

1323 Laurel St is owned and occupied by an individual who acquired it in August 2026.

Source: Santa Cruz County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1323 LAUREL ST, SANTA CRUZ, CA 95060-3518
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Grant Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORPORATION
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Jun 9, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
Apr 27, 2023	Intrafamily Transfer, Transfer
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Feb 10, 2020	Intrafamily Transfer, Transfer · Line of Credit SANTA CRUZ COUNTY BANK
Apr 16, 2019	Affidavit of Death, Transfer OLD REPUBLIC TITLE
Apr 16, 2019	Grant Deed, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2019 · Amount on File
Deed Sale	Apr 16, 2019 · Amount on File
Deed Document Number	20199627
Last Transfer Date	Aug 28, 2026
Transfer Doc	0000019552
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 31, 2026
Property Address	1323 LAUREL ST, SANTA CRUZ, CA 95060-3518
Document Number	0000019552
Instrument Date	Aug 28, 2026
Instrument	202619552
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1323 LAUREL ST, SANTA CRUZ, CA 95060-3518

Mortgage

Document Number	0000019553,
Date	Aug 31, 2026
Instrument	202619553

Lender

Name	HOMEXPRESS MORTGAGE CORPORATION

Agreement

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

Interest

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1323 LAUREL ST # A, A, SANTA CRUZ, CA 95060-3518
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1323 LAUREL ST, SANTA CRUZ, CA 95060-3518

Mortgage

Document Number	0000049588
Date	Sep 29, 2021
Instrument	2021-0049588

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1323 LAUREL ST # A, A, SANTA CRUZ, CA 95060-3518
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1323 LAUREL ST, SANTA CRUZ, CA 95060-3518

Mortgage

Document Number	0000017651
Date	Jun 9, 2022
Instrument	2022-0017651

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 27, 2023
Property Address	1323 LAUREL ST # A, A, SANTA CRUZ, CA 95060-3518
Document Number	0000007359
Map Reference	VOL 1 PG 88
Instrument Date	Apr 23, 2023
Instrument	2023-0007359
Transaction Type	Transfer
Record Updated	Sep 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1323 LAUREL ST, SANTA CRUZ, CA 95060-3518

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1323 LAUREL ST, SANTA CRUZ, CA 95060-3518
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035885
Date	Nov 18, 2019
Instrument	2019-0035885

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 10, 2020
Property Address	1323 LAUREL ST, SANTA CRUZ, CA 95060-3518
Document Number	0000004774
Map Reference	VOL 1 PG 88
Instrument Date	Feb 4, 2020
Instrument	2020-0004774
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1323 LAUREL ST, SANTA CRUZ, CA 95060-3518

Mortgage

Document Number	0000004775
Date	Feb 10, 2020
Instrument	2020-0004775

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 16, 2019
Property Address	1323 LAUREL ST, SANTA CRUZ, CA 95060-3518
Document Number	0000009625
Instrument Date	Apr 12, 2019
Instrument	9625
Transaction Type	Transfer
Record Updated	May 1, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 THUNDERBIRD DR APTOS CA 950035756, APTOS, CA 95003-5756

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 16, 2019
Property Address	1323 LAUREL ST, SANTA CRUZ, CA 95060-3518
Document Number	0000009627
Map Reference	VOL 1 PG 88
Instrument Date	Apr 12, 2019
Instrument	2019-0009627
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	Tenants in Common
Address	1323 LAUREL ST, SANTA CRUZ, CA 95060-3518

Mortgage

Document Number	0000009628
Date	Apr 16, 2019
Instrument	2019-0009628

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1323 Laurel St was $9,790, up 7.5% from the year before.

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		$836,305 (+2%) Land $762,346 Building $73,959
2025	$9,790.00 (+7.52%)	$819,907 Land $747,398 Building $72,509
2024	$9,105.00 (+1.23%)
2023	$8,994.00 (+1.15%) Homeowner's exemption	$788,068 Land $718,375 Building $69,693	$792,090
2022	$8,892.00

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

Flood

FEMA maps place 1323 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

Wildfire risk around 1323 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.

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 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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