22010 Summit Rd, Los Gatos, CA 95033 Property Records

Santa Cruz County property record for 22010 Summit Rd, Los Gatos, CA 95033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,462 sqft · built 1979
Lot Size	1.13 acres (49,397 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (Oct 1999)
Tax Bill	$12,200 (2025)
Deeds & Mortgages	Apr 2024 Transfer Dec 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`096-421-01`

Property Details

APN / Parcel Number

Primary APN	`096-421-01`
Alternative APN	`096-421-01-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,462 sqft Living Area
Gross Area	2,950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	49,397 sqft
Garage Type	Attached
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces
Deck Area	572 sqft
Patio Area	572 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	22010 SUMMIT RD
City	LOS GATOS
State	CA
Zip	95033-8564
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20AC
Legal Description	MAP 000000 00000
Legal Subdivision	RIVA RDG SUB TR #605
Legal Lot Number	18
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2001
Census Tract	120500

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	22010 SUMMIT RD, LOS GATOS, CA 95033-8564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2024	Intrafamily Transfer, Transfer
Dec 14, 2021	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Jan 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Jan 25, 2017	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Feb 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROBERT T DEACON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 1999 · Amount on Record
Deed Sale	Oct 15, 1999 · Amount on Record
Deed Document Number	199966577
Last Transfer Date	Apr 12, 2024
Transfer Doc	0000006871
Record Updated	Sep 20, 2026

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 12, 2024
Property Address	22010 SUMMIT RD, LOS GATOS, CA 95033-8564
Document Number	0000006871
Map Reference	MB 58 PG 48
Instrument Date	Apr 12, 2024
Instrument	2024-0006871
Transaction Type	Transfer
Record Updated	May 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22010 SUMMIT RD, LOS GATOS, CA 95033-8564

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	22010 SUMMIT RD, LOS GATOS, CA 95033-8564

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	22010 SUMMIT RD, LOS GATOS, CA 95033-8564
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	CHICAGO TITLE PIRT, CHICAGO TITLE PINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22010 SUMMIT RD, LOS GATOS, CA 95033-8564

Mortgage

Document Number	0000060172
Date	Dec 14, 2021
Instrument	2021-0060172

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	22010 SUMMIT RD, LOS GATOS, CA 95033-8564
Transaction Type	Mortgage
Record Updated	Jul 15, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22010 SUMMIT RD, LOS GATOS, CA 95033-8564

Mortgage

Document Number	0000035294
Date	Jun 30, 2021
Instrument	2021-0035294

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jul 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	5%
Index	Other
Max Rate	9%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	22010 SUMMIT RD, LOS GATOS, CA 95033-8564
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002915
Date	Jan 25, 2017
Instrument	2017-0002915

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.5%
Type Change Date	May 12, 2013
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	9.5%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	22010 SUMMIT RD, LOS GATOS, CA 95033-8564
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002916
Date	Jan 25, 2017
Instrument	2017-0002916

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	22010 SUMMIT RD, LOS GATOS, CA 95033-8564
Document Number	0000005328
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Mar 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 2299 LOS GATOS CA 950312299, LOS GATOS, CA 95031-2299

Mortgage

Document Number	0000005328
Date	Mar 1, 2019
Instrument	5328

Lender

Name	ROBERT T DEACON

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	Loma Prieta Joint Union 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		$1,016,625 (+2%) Land $548,706 Building $467,919
2025	$12,200.00 (+4.81%) Homeowner's exemption	$996,691 (+4.04%) Land $537,947 Building $458,744
2023	$11,640.00 (+4.92%) Homeowner's exemption	$957,988 Land $517,058 Building $440,930	$1,521,540
2022	$11,094.00

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
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

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

Wildfire Risk	Moderate above 51% of the US · lower than 70% of California
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surfnet Communications Fiber · Fixed Wireless	2,500 / 2,500

May also be available: Cruzio, Etheric Networks, Frontier, Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Summit Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures