1605 Garden St, Santa Barbara, CA 93101 Property Records

Santa Barbara County property record for 1605 Garden St, Santa Barbara, CA 93101

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,113 sqft · built 1904
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Company Names on Record
Last Sale	$1,543,000 (Jan 2019)
Tax Bill	$18,189 (2025)
Deeds & Mortgages	May 2026 Sale May 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`027-192-012`

Property Details

APN / Parcel Number

Primary APN	`027-192-012`
Alternative APN	`02719212`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,113 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1605 GARDEN ST
City	SANTA BARBARA
State	CA
Zip	93101-1109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 20 BLK 44
Legal Subdivision	SANTA BARBARA
Legal Block	44
Legal Lot Number	20
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA BARBARA
Census Block Group	4
Census Block	4013
Census Tract	400

Owner

Source: Santa Barbara County records, as of July 8, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	1605 GARDEN ST, SANTA BARBARA, CA 93101-1109
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
May 17, 2022	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Feb 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 20, 2017	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
May 11, 2017	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jan 15, 2019	Grant Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2019 · Amount on Record
Deed Sale	Jan 15, 2019 · Amount on Record
Prior Sale	Jun 30, 2016 · Amount on Record
Deed Document Number	20191546
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	May 12, 2026
Property Address	1605 GARDEN ST, SANTA BARBARA, CA 93101-1109
Document Number	0000016143
Instrument Date	May 11, 2026
Instrument	202616143
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
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	1605 GARDEN ST, SANTA BARBARA, CA 93101-1109

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	1605 GARDEN ST, SANTA BARBARA, CA 93101-1109
Transaction Type	Mortgage
Record Updated	May 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 GARDEN ST, SANTA BARBARA, CA 93101-1109

Mortgage

Document Number	0000024257
Date	May 17, 2022
Instrument	2022-0024257

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 7, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	1605 GARDEN ST, SANTA BARBARA, CA 93101-1109
Transaction Type	Mortgage
Record Updated	Feb 21, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 GARDEN ST, SANTA BARBARA, CA 93101-1109

Mortgage

Document Number	0000007541
Date	Feb 11, 2022
Instrument	2022-0007541

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Mar 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	Other
Max Rate	7.75%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	1605 GARDEN ST, SANTA BARBARA, CA 93101-1109
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029347
Date	Jun 20, 2017
Instrument	2017-0029347

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	1605 GARDEN ST, SANTA BARBARA, CA 93101-1109
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022366
Date	May 11, 2017
Instrument	2017-0022366

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Jan 15, 2019
Property Address	1605 GARDEN ST, SANTA BARBARA, CA 93101-1109
Document Number	0000001546
Instrument Date	Dec 20, 2018
Instrument	2019-0001546
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1605 GARDEN ST, SANTA BARBARA, CA 93101-1109

Mortgage

Document Number	0000001547
Date	Jan 15, 2019
Instrument	2019-0001547

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	8.12%

Tax Assessment & Valuation

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		$1,755,665 (+2%) Land $853,369 Building $902,296
2025	$18,189.00 (+1.74%)	$1,721,241 (+4.04%) Land $836,637 Building $884,604
2024	$17,878.00 (+1.85%)
2023	$17,554.00 (+1.74%)	$1,654,404 Land $804,150 Building $850,254
2022	$17,253.00

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

Flood

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 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1983 · Coastal Storms, Floods, Slides & Tornadoes

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 Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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	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 824 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

Nearby Properties on Garden St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures