Santa Cruz County property record for 1425 Laurel St, Santa Cruz, CA 95060
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,662 sqft · built 1936 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $4,840 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-331-04 |
| Primary APN | 006-331-04 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,662 sqft Living Area |
| Gross Area | 2,022 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1936 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 12,502 sqft (0.287 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1425 LAUREL ST |
|---|---|
| City | SANTA CRUZ |
| State | CA |
| Zip | 95060-3520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | MILITARY ESPLANADE |
| Legal Block | 4 |
| Legal Lot Number | 37,38 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2012 |
| 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.
1425 Laurel St is owner-occupied and held in a trust since October 2012.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 1425 LAUREL ST, SANTA CRUZ, CA 95060-3520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
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 |
|---|---|
| Dec 11, 2017 | Deed of Trust, Mortgage COMERICA BANK |
| Sep 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 30, 2012 |
| Transfer Doc | 0000055535 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 1425 LAUREL ST, SANTA CRUZ, CA 95060-3520 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000041759 |
|---|---|
| Date | Dec 11, 2017 |
| Instrument | 2017-0041759 |
| Name | COMERICA BANK |
|---|---|
| Type | Bank |
| Address | DALLAS, TX 75201 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 1425 LAUREL ST, SANTA CRUZ, CA 95060-3520 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1425 LAUREL ST, SANTA CRUZ, CA 95060-3520 |
| Document Number | 0000035711 |
|---|---|
| Date | Sep 11, 2020 |
| Instrument | 2020-0035711 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 1425 Laurel St was $4,840 with a homeowner's exemption, up 8.2% from the year before.
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 | $393,439 (+2%) Land $180,792 Building $212,647 | ||
| 2025 | $4,840.00 (+8.18%) Homeowner's exemption | $385,725 Land $177,247 Building $208,478 | |
| 2024 | $4,474.00 (+1.2%) | ||
| 2023 | $4,421.00 (+1.12%) Homeowner's exemption | $370,747 Land $170,365 Building $200,382 | $1,214,370 |
| 2022 | $4,372.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1425 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 1425 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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