197 Spreading Oak Dr, Scotts Valley, CA 95066 Property Records

Santa Cruz County property record for 197 Spreading Oak Dr, Scotts Valley, CA 95066

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,836 sqft · built 1981
Lot Size	0.513 acres (22,346 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,340,000 (Dec 2019)
Tax Bill	$17,605 (2025)
Deeds & Mortgages	May 2020 Line of Credit Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`067-531-14`

Property Details

APN / Parcel Number

Primary APN	`067-531-14`
Alternative APN	`067-531-14-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	4,836 sqft Living Area
Gross Area	5,673 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	22,346 sqft (0.513 acres)
Garage Type	Attached
Garage Area	837 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	197 SPREADING OAK DR
City	SCOTTS VALLEY
State	CA
Zip	95066-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20
Legal Description	TR 598
Legal Subdivision	HIDDEN GLEN
Legal Tract	598
Legal Lot Number	14
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2006
Census Tract	120800

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	197 SPREADING OAK DR, SCOTTS VALLEY, CA 95066-4604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
May 14, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Dec 23, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2019 · Amount on Record
Deed Sale	Dec 23, 2019 · Amount on Record
Prior Sale	Jul 3, 2007 · Amount on Record
Deed Document Number	201940669
Prior Transfer Date	Jun 30, 2003
Prior Transfer Doc	0000069475
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	197 SPREADING OAK DR, SCOTTS VALLEY, CA 95066-4604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016631
Date	May 14, 2020
Instrument	2020-0016631

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 5, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 23, 2019
Property Address	197 SPREADING OAK DR, SCOTTS VALLEY, CA 95066-4604
Document Number	0000040669
Map Reference	MB 58 PG 8
Instrument Date	Dec 13, 2019
Instrument	2019-0040669
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
Relationship	Tenants in Common
Address	197 SPREADING OAK DR, SCOTTS VALLEY, CA 95066-4604

Mortgage

Document Number	0000040670
Date	Dec 23, 2019
Instrument	2019-0040670

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Scotts Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,545,046 (+2%) Land $747,397 Building $797,649
2025	$17,605.00 (+11.04%) Homeowner's exemption	$1,514,752 (+7.08%) Land $732,743 Building $782,009
2023	$15,855.00 (+2.03%) Homeowner's exemption	$1,414,580 Land $704,290 Building $710,290	$1,501,200
2022	$15,540.00

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
Nearby Flood Claims	2 (1983–1995)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows

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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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