17092 Lon Rd, Los Gatos, CA 95033 Property Records

Santa Cruz County property record for 17092 Lon Rd, Los Gatos, CA 95033

Property Summary

Property Type	Rural Home
Details	4 bd · 4.5 ba · 4,348 sqft · built 1982
Lot Size	3.36 acres (146,710 sqft)
Owner	2 Trust Names on File
Last Sale	$2,200,000 (Sep 2024)
Tax Bill	$25,978 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`093-291-20`

Property Details

APN / Parcel Number

Primary APN	`093-291-20`
Alternative APN	`093-291-20-000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Building Area	4,348 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2010
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	146,710 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	17092 LON RD
City	LOS GATOS
State	CA
Zip	95033-8510
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SU
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2015
Census Tract	120500

Owner

17092 Lon Rd, a rural home, is held in a trust since September 2024.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1321 HARWALT DR, LOS ALTOS, CA 94024-5816
Owner Type	Company
Vesting	Trust, Family Revocable 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
Mar 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 3, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2024 · Amount on File
Deed Sale	Sep 10, 2024 · Amount on File
Prior Sale	May 31, 2012 · Amount on File
Deed Document Number	202417617
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	17092 LON RD, LOS GATOS, CA 95033-8510
Transaction Type	Mortgage
Record Updated	Apr 20, 2026
Title Company	ROCKET CLOSE LLC RESIDENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 HARWALT DR, LOS ALTOS, CA 94024-5816

Mortgage

Document Number	0000006897
Date	Mar 30, 2026
Instrument	2026-0006897

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.1%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.1%

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 3, 2023
Property Address	17092 LON RD, LOS GATOS, CA 95033-8510
Document Number	0000021401
Instrument Date	Oct 3, 2023
Instrument	2023-0021401
Transaction Type	Transfer
Record Updated	Nov 15, 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	Family Trust
Address	17092 LON RD, LOS GATOS, CA 95033-8510

Tax Assessment & Valuation

The 2025 property tax bill for 17092 Lon Rd was $25,978, up 17.1% 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
Elementary School District	Loma Prieta Joint Union Elementary School District (KG - 08)
Secondary School District	Los Gatos-Saratoga Joint Union School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,244,000 (+2%) Land $1,122,000 Building $1,122,000
2025	$25,978.00 (+17.11%)	$2,200,000 Land $1,100,000 Building $1,100,000
2024	$22,183.00 (+2.29%)
2023	$21,686.00 (+3.32%)	$1,824,809 Land $919,346 Building $905,463	$1,846,080
2022	$20,990.00

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

Flood

FEMA maps place 17092 Lon Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1982.

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
Nearby Flood Claims	5 (1982–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 2 claims

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 17092 Lon Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Surfnet Communications Fiber · Fixed Wireless	2,500 / 2,500
Cruzio Fixed Wireless	1,000 / 1,000

May also be available: Etheric Networks.

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