1850 Pine Flat Rd, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 1850 Pine Flat Rd, Santa Cruz, CA 95060

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 3,046 sqft · built 1969
Lot Size	1.05 acres (45,869 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,127,500 (Apr 2024)
Tax Bill	$13,640 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`080-282-03`

Property Details

APN / Parcel Number

Primary APN	`080-282-03`
Alternative APN	`080-282-03-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Building Area	3,046 sqft Living Area
Gross Area	3,640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	45,869 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic

Location & Zoning

Street Address	1850 PINE FLAT RD
City	SANTA CRUZ
State	CA
Zip	95060-9610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Subdivision	WESTDALE
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WEST SANTA CRUZ
Census Block Group	1
Census Block	1004
Census Tract	120200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1850 PINE FLAT RD, SANTA CRUZ, CA 95060-9610
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage STRONG HOME MORTGAGE LLC
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
Apr 23, 2024	Deed of Trust, Mortgage THE UNIVERISTY OF CALIFORNIA
Apr 23, 2024	Grant Deed, Transfer THE UNIVERISTY OF CALIFORNIA
Jul 15, 2019	Grant Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP
Jul 15, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2024 · Amount on Record
Deed Sale	Apr 23, 2024 · Amount on Record
Prior Sale	Jul 15, 2019 · Amount on Record
Deed Document Number	20247488
Prior Transfer Date	Jul 11, 2019
Prior Transfer Doc	0000019629
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1850 PINE FLAT RD, SANTA CRUZ, CA 95060-9610
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PINE FLAT RD, SANTA CRUZ, CA 95060-9610

Mortgage

Document Number	0000024973
Date	Apr 30, 2021
Instrument	2021-0024973

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company
Address	MANASSAS, VA 20110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1850 PINE FLAT RD, SANTA CRUZ, CA 95060-9610
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PINE FLAT RD, SANTA CRUZ, CA 95060-9610

Mortgage

Document Number	0000056692
Date	Nov 17, 2021
Instrument	2021-0056692

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1850 PINE FLAT RD, SANTA CRUZ, CA 95060-9610
Transaction Type	Mortgage
Record Updated	May 7, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PINE FLAT RD, SANTA CRUZ, CA 95060-9610

Mortgage

Document Number	0000007490
Date	Apr 23, 2024
Instrument	2024-0007490

Lender

Name	THE UNIVERISTY OF CALIFORNIA
Type	Non-Lending Institution
Address	OAKLAND, CA 94607

Agreement

Amount	Amount Recorded
Term	128 Months
Due	Dec 1, 2034

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 23, 2024
Property Address	1850 PINE FLAT RD, SANTA CRUZ, CA 95060-9610
Document Number	0000007488
Map Reference	MB 33 PG 77
Instrument Date	Apr 18, 2024
Instrument	2024-0007488
Transaction Type	Transfer
Record Updated	Sep 9, 2024
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,240.25
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	1850 PINE FLAT RD, SANTA CRUZ, CA 95060-9610

Mortgage

Document Number	0000007489
Date	Apr 23, 2024
Instrument	2024-0007489

Lender

Name	THE UNIVERISTY OF CALIFORNIA
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 15, 2019
Property Address	1850 PINE FLAT RD, SANTA CRUZ, CA 95060-9610
Document Number	0000019694
Map Reference	MB 33 PG 77
Instrument Date	Jun 28, 2019
Instrument	2019-0019694
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1479 BULB AVE, SANTA CRUZ, CA 95062-3216

Mortgage

Document Number	0000019695
Date	Jul 15, 2019
Instrument	2019-0019695

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 15, 2019
Property Address	1850 PINE FLAT RD, SANTA CRUZ, CA 95060-9610
Document Number	0000019629
Instrument Date	Jul 11, 2018
Instrument	19629
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1850 PINE FLAT RD SANTA CRUZ CA 950609610, SANTA CRUZ, CA 95060-9610
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Elementary School District	Bonny Doon Union Elementary School District (KG - 06)
Secondary School District	Santa Cruz City High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,173,051 (+2%) Land $756,891 Building $416,160
2025	$13,640.00 (+27.01%)	$1,150,050 (+25.32%) Land $742,050 Building $408,000
2024	$10,739.00 (+1.66%)
2023	$10,564.00 (+1.65%)	$917,679 Land $628,605 Building $289,074	$1,042,740
2022	$10,393.00

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

Flood

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	7 (1995–2023)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 4 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.07% 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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