18396 Knuth Rd, Los Gatos, CA 95033 Property Records

Santa Cruz County property record for 18396 Knuth Rd, Los Gatos, CA 95033

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,521 sqft · built 1981
Lot Size	0.971 acres (42,297 sqft)
Owner	2 Individual Names on File
Last Sale	$1,450,000 (Mar 2018)
Tax Bill	$18,641 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`088-231-15`

Property Details

APN / Parcel Number

Primary APN	`088-231-15`
Alternative APN	`088-231-15-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,521 sqft Living Area
Gross Area	3,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Wood
Roof Material	Other
Lot Area	42,297 sqft (0.971 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	551 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,021 sqft
Patio Area	1,021 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	18396 KNUTH RD
City	LOS GATOS
State	CA
Zip	95033-8271
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-1AC
Legal Subdivision	LAS CUMBERS TR 600
Legal Lot Number	15
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	3
Census Block	3006
Census Tract	120500

Owner

18396 Knuth Rd is owned and occupied by two individuals who bought it in March 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	18396 KNUTH RD, LOS GATOS, CA 95033-8271
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 20, 2018	Grant Deed, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2018 · Amount on File
Deed Sale	Mar 20, 2018 · Amount on File
Prior Sale	Aug 21, 2012 · Amount on File
Deed Document Number	20188192
Prior Transfer Date	Nov 18, 2004
Prior Transfer Doc	0000083675
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	18396 KNUTH RD, LOS GATOS, CA 95033-8271
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18396 KNUTH RD, LOS GATOS, CA 95033-8271

Mortgage

Document Number	0000046693
Date	Nov 6, 2020
Instrument	2020-0046693

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	2.12%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 20, 2018
Property Address	18396 KNUTH RD, LOS GATOS, CA 95033-8271
Document Number	0000008192
Map Reference	MB 2693 PG 101
Instrument Date	Feb 22, 2018
Instrument	2018-0008192
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CALIFORNIA

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	Community Property with Right of Survivorship
Address	18396 KNUTH RD, LOS GATOS, CA 95033-8271

Mortgage

Document Number	0000008193
Date	Mar 20, 2018
Instrument	2018-0008193

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	10.2%

Mortgage

Document Number	0000008194
Date	Mar 20, 2018
Instrument	2018-0008194

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 18396 Knuth Rd was $18,641 with a homeowner's exemption.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Elementary School District	Lakeside Joint 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		$1,682,849 (+2%) Land $1,262,137 Building $420,712
2025	$18,641.00 Homeowner's exemption	$1,649,853 Land $1,237,390 Building $412,463
2023	$17,864.00 (-0.82%) Homeowner's exemption	$1,585,787 Land $1,189,340 Building $396,447	$1,481,040
2022	$18,011.00

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

Flood

FEMA maps place 18396 Knuth Rd in Zone X, an area of minimal flood risk, though there have been 18 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	18 (1982–2000)
Claims Outside the SFHA	4 of 18
Most Recent Claim	Feb 2000 · other causes
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 9 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 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 18396 Knuth Rd is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 47% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	LAS CUMBRES MUTUAL WATER CO private · serves 402 people · EPA ID CA4400631
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter resolved · Nov 2016 Treatment failure resolved · Nov 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Madrone Broadband Fiber	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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