21100 Summit Rd, Los Gatos, CA 95033 Property Records

Santa Cruz County property record for 21100 Summit Rd, Los Gatos, CA 95033

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,658 sqft · built 1969
Lot Size	7.8 acres (339,942 sqft)
Owner	2 Individual Names on File
Last Sale	$1,175,000 (Aug 2023)
Tax Bill	$14,044 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`091-071-07`

Property Details

APN / Parcel Number

Primary APN	`091-071-07`
Alternative APN	`091-071-07-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,658 sqft Living Area
Gross Area	2,078 sqft
Basement Area	250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	339,942 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	634 sqft
Patio Area	634 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	21100 SUMMIT RD
City	LOS GATOS
State	CA
Zip	95033-8500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2006
Census Tract	120500

Owner

21100 Summit Rd is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	21100 SUMMIT RD, LOS GATOS, CA 95033-8500
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Mar 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 23, 2023	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Dec 7, 2022	Intrafamily Transfer, Transfer
Sep 7, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2023 · Amount on File
Deed Sale	Aug 23, 2023 · Amount on File
Deed Document Number	202315836
Prior Transfer Date	Dec 6, 2022
Prior Transfer Doc	0000032450
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	21100 SUMMIT RD, LOS GATOS, CA 95033-8500
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21100 SUMMIT RD, LOS GATOS, CA 95033-8500

Mortgage

Document Number	0000004499
Date	Mar 2, 2026
Instrument	2026-0004499

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Mar 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	1-Year T-Bill
Max Rate	10.8%

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 23, 2023
Property Address	21100 SUMMIT RD, LOS GATOS, CA 95033-8500
Document Number	0000015836
Instrument Date	Jul 17, 2023
Instrument	2023-0015836
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,292.50
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
Address	21100 SUMMIT RD, LOS GATOS, CA 95033-8500

Mortgage

Document Number	0000015837
Date	Aug 23, 2023
Instrument	2023-0015837

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.5%
Index	1-Year T-Bill
Max Rate	11.5%

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 7, 2022
Property Address	21100 SUMMIT RD, LOS GATOS, CA 95033-8500
Document Number	0000032450
Instrument Date	Dec 6, 2022
Instrument	2022-0032450
Transaction Type	Transfer
Record Updated	Jun 7, 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
Relationship	Revocable Trust
Address	70 SW CENTURY DR STE 100, 100, BEND, OR 97702-3558

September 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 7, 2022
Property Address	21100 SUMMIT RD, LOS GATOS, CA 95033-8500
Document Number	0000025220
Instrument Date	Aug 15, 2022
Instrument	2022-0025220
Transaction Type	Transfer
Record Updated	Sep 21, 2022

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	21100 SUMMIT RD, LOS GATOS, CA 95033-8500

Tax Assessment & Valuation

The 2025 property tax bill for 21100 Summit Rd was $14,044 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Elementary School District	Lakeside Joint Elementary School District (KG - 08)
Secondary School District	Los Gatos-Saratoga Joint Union School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,222,470 (+2%) Land $910,350 Building $312,120
2025	$14,044.00 Homeowner's exemption	$1,198,500 Land $892,500 Building $306,000
2023	$2,617.00 (+0.93%) Homeowner's exemption	$113,408 Land $35,328 Building $78,080	$1,026,990
2022	$2,593.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 21100 Summit Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1982.

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	5 (1982–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 2 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

Wildfire risk around 21100 Summit Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 61% of California
Wildfire Likelihood	0.2% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless · Fiber in parts of the area	100 / 25

Cell Coverage

4G LTE only, no 5G reported

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