1925 Smith Grade, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 1925 Smith Grade, Santa Cruz, CA 95060

Property Summary

Property Type	Recreational Vacant Land
Details	4 bd · 3 ba · 3,574 sqft · built 1994
Lot Size	0.987 acres (42,994 sqft)
Owner	Individual Name on Record
Tax Bill	$10,136 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`062-131-03`

Property Details

APN / Parcel Number

Primary APN	`062-131-03`
Alternative APN	`062-131-03-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	3,574 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Wood
Roof Material	Tile
Lot Area	42,994 sqft (0.987 acres)
Garage Type	Attached
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1925 SMITH GRADE
City	SANTA CRUZ
State	CA
Zip	95060-9758
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Legal Subdivision	REFUGIO RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WEST SANTA CRUZ
Census Block Group	3
Census Block	3045
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	Individual Name on Record
Mailing Address	1925 SMITH GRADE, SANTA CRUZ, CA 95060-9758
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Sep 16, 2021	Deed of Trust, Mortgage · SBA Mortgage SANTA CRUZ COUNTY BANK
Oct 2, 2020	Intrafamily Transfer, Transfer STEWART TITLE OF CA
Oct 2, 2020	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA
Nov 15, 2019	Quit Claim Deed, Transfer · VA Mortgage ORION LNDG
Nov 15, 2019	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA
Nov 15, 2019	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2020
Deed Sale	Oct 2, 2020
Prior Sale	Nov 15, 2019
Deed Document Number	202039653
Prior Transfer Date	Sep 26, 2020
Prior Transfer Doc	0000039653
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 15, 2026
Property Address	1925 SMITH GRADE, SANTA CRUZ, CA 95060-9758
Document Number	0000013421
Instrument Date	May 25, 2026
Instrument	202613421
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	1925 SMITH GRADE, SANTA CRUZ, CA 95060-9758

Mortgage

Document Number	0000013421,
Date	Jun 15, 2026
Instrument	202613421

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2056

Interest

Rate	6.23%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1925 SMITH GRADE, SANTA CRUZ, CA 95060-9758
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 SMITH GRADE, SANTA CRUZ, CA 95060-9758

Mortgage

Document Number	0000047591
Date	Sep 16, 2021
Instrument	2021-0047591

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 5, 2031

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 2, 2020
Property Address	1925 SMITH GRADE, SANTA CRUZ, CA 95060-9758
Document Number	0000039652
Map Reference	VOL 39 PG 415
Instrument Date	Aug 31, 2020
Instrument	2020-0039652
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA

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
Address	1925 SMITH GRADE, SANTA CRUZ, CA 95060-9758

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 2, 2020
Property Address	1925 SMITH GRADE, SANTA CRUZ, CA 95060-9758
Document Number	0000039655
Instrument Date	Aug 31, 2020
Instrument	39655
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

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	1925 SMITH GRADE SANTA CRUZ CA 950609758, SANTA CRUZ, CA 95060-9758

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 15, 2019
Property Address	1925 SMITH GRADE, SANTA CRUZ, CA 95060-9758
Document Number	0000035660
Instrument Date	Oct 28, 2019
Instrument	35660
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1925 SMITH GRADE SANTA CRUZ CA 950609758, SANTA CRUZ, CA 95060-9758

Mortgage

Document Number	35661
Date	Nov 15, 2019
Instrument	35661

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2049

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 15, 2019
Property Address	1925 SMITH GRADE, SANTA CRUZ, CA 95060-9758
Document Number	0000035659
Instrument Date	Oct 28, 2019
Instrument	35659
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1925 SMITH GRADE SANTA CRUZ CA 950609758, SANTA CRUZ, CA 95060-9758

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 15, 2019
Property Address	1925 SMITH GRADE, SANTA CRUZ, CA 95060-9758
Document Number	0000035662
Instrument Date	Oct 28, 2019
Instrument	35662
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1925 SMITH GRADE SANTA CRUZ CA 950609758, SANTA CRUZ, CA 95060-9758

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		$847,647 (+2%) Land $321,566 Building $526,081
2025	$10,136.00 (+7.74%)	$831,026 (+4.04%) Land $315,260 Building $515,766
2024	$9,408.00 (+1.68%)
2023	$9,253.00 (+1.66%)	$798,756 Land $303,018 Building $495,738	$994,050
2022	$9,102.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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	Moderate above 56% of the US · lower than 67% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

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

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