203 Reef Ct, Santa Barbara, CA 93109 Property Records

Santa Barbara County property record for 203 Reef Ct, Santa Barbara, CA 93109

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,130 sqft · built 1978
Lot Size	0.033 acres (1,418 sqft)
Owner	2 Trust Names on File
Tax Bill	$3,044 (2025)
Deeds & Mortgages	Sep 2023 Transfer May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-300-029`

Property Details

APN / Parcel Number

Primary APN	`045-300-029`
Alternative APN	`04530029`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,130 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Condo/Apartment
Exterior Material	Stucco
Roof Material	Tile
Lot Area	1,418 sqft (0.033 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	203 REEF CT
City	SANTA BARBARA
State	CA
Zip	93109-1925
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R2SD3
Legal Description	TR 20141 LOT 290
Legal Subdivision	TRACT NO 20141
Legal Tract	20141
Legal Lot Number	29
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA BARBARA
Census Block Group	3
Census Block	3007
Census Tract	1208

Owner

203 Reef Ct, a condominium, is held in a trust since September 2023.

Source: Santa Barbara County records, as of July 8, 2026

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 69, GOLETA, CA 93116-0069
Owner Type	Company
Vesting	Trust

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
Sep 27, 2023	Intrafamily Transfer, Transfer
May 11, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK OF LONG BEACH
May 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage F & M BANK & TRUST
Oct 16, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 26, 2023
Transfer Doc	0000028400
Record Updated	Sep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA BARBARA CA
Recording Date	Sep 27, 2023
Property Address	203 REEF CT, SANTA BARBARA, CA 93109-1925
Document Number	0000028400
Map Reference	MB 94 PG 31&32
Instrument Date	Sep 26, 2023
Instrument	2023-0028400
Transaction Type	Transfer
Record Updated	Oct 6, 2023

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	PO BOX 69, GOLETA, CA 93116-0069

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	203 REEF CT, SANTA BARBARA, CA 93109-1925
Transaction Type	Mortgage
Record Updated	May 19, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 69, GOLETA, CA 93116-0069

Mortgage

Document Number	0000023308
Date	May 11, 2022
Instrument	2022-0023308

Lender

Name	FARMERS & MERCHANTS BANK OF LONG BEACH
Type	Bank
Address	SEAL BEACH, CA 90740

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	203 REEF CT, SANTA BARBARA, CA 93109-1925
Transaction Type	Mortgage
Record Updated	May 19, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 93116, SEAL BEACH, CA 90740

Mortgage

Document Number	0000023307
Date	May 11, 2022
Instrument	2022-0023307

Lender

Name	F & M BANK & TRUST
Type	Bank
Address	SEAL BEACH, CA 90740

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	Other
Max Rate	8.62%

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA BARBARA CA
Recording Date	Oct 16, 2019
Property Address	203 REEF CT, SANTA BARBARA, CA 93109-1925
Document Number	0000046574
Map Reference	MB 94 PG 31&32
Instrument Date	Oct 11, 2019
Instrument	2019-0046574
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	PO BOX 69, GOLETA, CA 93116-0069

Mortgage

Document Number	0000046575
Date	Oct 16, 2019
Instrument	2019-0046575

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Margin	5
Max Rate	11.2%

Tax Assessment & Valuation

The 2025 property tax bill for 203 Reef Ct was $3,044.

Source: Santa Barbara County assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Municipality	Santa Barbara City
Unified School District	Santa Barbara Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$290,013 (+2%) Land $116,001 Building $174,012
2025	$3,044.00	$284,327 Land $113,727 Building $170,600
2023	$2,936.00 (+1.77%)	$273,288 Land $109,312 Building $163,976
2022	$2,885.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 203 Reef Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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 Policies	1 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

Wildfire risk around 203 Reef Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 0.01% 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	CITY OF SANTA BARBARA WATER DEPARTMENT serves 93,334 people · EPA ID CA4210010
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 392 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable	2,000 / 100

May also be available: GeoLinks.

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