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138 John St, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 138 John St, Santa Cruz, CA 95060

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,164 sqft · built 1961
Lot Size0.124 acres (5,401 sqft)
Owner2 Trust Names on Record
Last Sale$600,000 (Jul 2026)
Tax Bill$1,407 (2025)
Deeds & MortgagesAug 2026 Construction Loan
Jul 2026 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN003-282-35

Property Details

APN / Parcel Number

Primary APN003-282-35
Alternative APN
  • 003-282-35-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Building Area1,164 sqft Living Area
Gross Area1,417 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area5,401 sqft (0.124 acres)
Garage TypeAttached
Garage Area253 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address138 JOHN ST
CitySANTA CRUZ
StateCA
Zip95060-6329
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionCUFF DRIVE ADD
Legal Block6
Legal Lot Number6
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1021
Census Tract101200

Owner

Source: Santa Cruz County records, as of September 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Trust Names on Record
Mailing Address138 JOHN ST, SANTA CRUZ, CA 95060-6329
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust, Revocable Living Trust

Deeds, Mortgages & Sale History

DateDocument
Aug 26, 2026Correction Deed · Construction Mortgage
WEST COAST BANK
Jul 7, 2026Grant Deed, Transfer
REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY
Aug 31, 2017Deed of Trust, Mortgage · Conventional Mortgage
ANNETTE M KYPREOS
Apr 3, 2017Deed of Trust, Mortgage · Conventional Mortgage
JMAC LENDING

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 7, 2026 · Amount on Record
Deed SaleJul 7, 2026 · Amount on Record
Deed Document Number202615329
Prior Transfer DateJul 2, 2026
Prior Transfer Doc0000015329
Record UpdatedOct 29, 2026

August 2026: Correction Deed

Document TypeCorrection Deed
JurisdictionSANTA CRUZ CA
Recording DateAug 26, 2026
Property Address138 JOHN ST, SANTA CRUZ, CA 95060-6329
Document Number0000019230
Instrument DateAug 17, 2026
Instrument202619230
Record UpdatedSep 9, 2026
Title CompanyREPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address138 JOHN ST, SANTA CRUZ, CA 95060-6329

Mortgage

Document Number0000019231,
DateAug 26, 2026
Instrument202619231
Lender
NameWEST COAST BANK
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term360 Months
Interest
Rate TypeAdjustable Rate
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

July 2026: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateJul 7, 2026
Property Address138 JOHN ST, SANTA CRUZ, CA 95060-6329
Document Number0000015329
Instrument DateJul 2, 2026
Instrument202615329
Transaction TypeTransfer
Record UpdatedAug 31, 2026
Title CompanyREPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$66,660.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address138 JOHN ST, SANTA CRUZ, CA 95060-6329

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address138 JOHN ST, SANTA CRUZ, CA 95060-6329
Document Number0000030366
Instrument DateAug 31, 2017
Transaction TypeMortgage
Record UpdatedOct 5, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address138 JOHN ST SANTA CRUZ CA 950606329, SANTA CRUZ, CA 95060-6329

Mortgage

Document Number0000030366
DateSep 12, 2017
Instrument30366
Lender
NameANNETTE M KYPREOS
Agreement
TypeConventional Mortgage
AmountAmount Recorded

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address138 JOHN ST, SANTA CRUZ, CA 95060-6329
Document Number0000011637
Instrument DateApr 3, 2017
Transaction TypeMortgage
Record UpdatedApr 20, 2017
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address138 JOHN ST SANTA CRUZ CA 950606329, SANTA CRUZ, CA 95060-6329

Mortgage

Document Number0000011637
DateApr 7, 2017
Instrument11637
Lender
NameJMAC LENDING
TypeFunding / Finance Company
AddressSANTA ANA, CA 92705
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 6, 2047
Interest
Rate TypeAdjustable Rate
Rate3.75%

Tax Assessment & Valuation

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$86,288 (+2%) Land $26,084 Building $60,204
2025$1,407.00 (+12.65%) Homeowner's exemption$84,598 (+4.04%) Land $25,574 Building $59,024
2023$1,249.00 (+0.97%) Homeowner's exemption$81,312 Land $24,580 Building $56,732$1,718,280
2022$1,237.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard AreaZone VE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies8 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

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.2% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 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 492 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Cruzio
Fixed Wireless		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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