Santa Cruz County property record for 186 Reed St, Brookdale, CA 95007
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,076 sqft · built 1902 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $769,000 (Mar 2021) |
| Tax Bill | $10,132 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 079-093-02 |
| Primary APN | 079-093-02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,076 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Deck Area | 792 sqft |
| Patio Area | 792 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Street Address | 186 REED ST |
|---|---|
| City | BROOKDALE |
| State | CA |
| Zip | 95007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-15 |
| Legal Subdivision | PENNIMAN |
| Legal Block | F |
| Legal Lot Number | 5,6 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 120400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 186 REED ST, BROOKDALE, CA 95007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2021 | Grant Deed, Transfer · Conventional Mortgage NAVY FCU |
| Jul 3, 2018 | Grant Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 10, 2021 · Amount on Record |
| Deed Sale | Mar 10, 2021 · Amount on Record |
| Prior Sale | Jul 3, 2018 · Amount on Record |
| Deed Document Number | 202114409 |
| Prior Transfer Date | May 10, 2010 |
| Prior Transfer Doc | 0000020560 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 10, 2021 |
| Property Address | 186 REED ST, BROOKDALE, CA 95007 |
| Document Number | 0000014409 |
| Instrument Date | Mar 9, 2021 |
| Instrument | 2021-0014409 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 REED ST, BROOKDALE, CA 95007 |
| Document Number | 0000014410 |
|---|---|
| Date | Mar 10, 2021 |
| Instrument | 2021-0014410 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jul 3, 2018 |
| Property Address | 186 REED ST, BROOKDALE, CA 95007 |
| Document Number | 0000020464 |
| Instrument Date | Jun 27, 2018 |
| Instrument | 2018-0020464 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 186 REED ST, BROOKDALE, CA 95007 |
| Document Number | 0000020466 |
|---|---|
| Date | Jul 3, 2018 |
| Instrument | 2018-0020466 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | San Lorenzo Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $849,038 (+2%) Land $619,798 Building $229,240 | ||
| 2025 | $10,132.00 (+4.19%) | $832,390 (+4.04%) Land $607,645 Building $224,745 | |
| 2023 | $9,725.00 (+2.4%) | $800,067 Land $584,049 Building $216,018 | $742,590 |
| 2022 | $9,497.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 23 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 18 (1982–2023) |
| Claims Outside the SFHA | 12 of 18 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 76% of California |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | SAN LORENZO VALLEY WATER DIST serves 21,513 people · EPA ID CA4410014 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory currently in violation since Oct 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 132 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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