22912 Summit Rd, Los Gatos, CA 95033 Property Records

Santa Cruz County property record for 22912 Summit Rd, Los Gatos, CA 95033

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,664 sqft · built 1966
Lot Size	2.02 acres (88,253 sqft)
Owner	2 Individual Names on File
Last Sale	$1,245,000 (Dec 2019)
Tax Bill	$15,794 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`096-121-19`

Property Details

APN / Parcel Number

Primary APN	`096-121-19`
Alternative APN	`096-121-19-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,664 sqft Living Area
Gross Area	2,210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Roof Material	Other
Lot Area	88,253 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Deck Area	520 sqft
Patio Area	520 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	22912 SUMMIT RD
City	LOS GATOS
State	CA
Zip	95033-9276
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SUMMIT ROAD
Census Block Group	1
Census Block	1010
Census Tract	121000

Owner

22912 Summit Rd is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	22912 SUMMIT RD, LOS GATOS, CA 95033-9276
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
Dec 17, 2019	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Dec 20, 2019	Grant Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019 · Amount on File
Deed Sale	Dec 20, 2019 · Amount on File
Deed Document Number	201940327
Prior Transfer Date	Sep 18, 2007
Prior Transfer Doc	0000052678
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	22912 SUMMIT RD, LOS GATOS, CA 95033-9276
Document Number	0000040329
Instrument Date	Dec 17, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5231 AMELIA DR SAN JOSE CA 951182105, SAN JOSE, CA 95118-2105

Mortgage

Document Number	0000040329
Date	Dec 20, 2019
Instrument	40329

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2049

Interest

Rate Type	Adjustable Rate

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 20, 2019
Property Address	22912 SUMMIT RD, LOS GATOS, CA 95033-9276
Document Number	0000040327
Instrument Date	Dec 10, 2019
Instrument	2019-0040327
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	22912 SUMMIT RD, LOS GATOS, CA 95033-9276

Mortgage

Document Number	0000040328
Date	Dec 20, 2019
Instrument	2019-0040328

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000040329
Date	Dec 20, 2019
Instrument	2019-0040329

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 22912 Summit Rd was $15,794 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	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		$1,355,356 (+2%) Land $925,881 Building $429,475
2025	$15,794.00 Homeowner's exemption	$1,328,780 Land $907,726 Building $421,054
2023	$15,199.00 (+4.12%)	$1,277,182 Land $872,478 Building $404,704	$1,157,400
2022	$14,598.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 22912 Summit Rd in Zone X, an area of minimal flood risk, though there have been 4 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1982–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides

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 22912 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 60% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless · Fiber in parts of the area	100 / 25

May also be available: Cruzio, Etheric Networks, Ridge Wireless, Xfinity.

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