22950 Summit Rd, Los Gatos, CA 95033 Property Records

Santa Cruz County property record for 22950 Summit Rd, Los Gatos, CA 95033

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,906 sqft · built 1948
Lot Size	4.17 acres (181,950 sqft)
Owner	Individual Name on File
Last Sale	$1,735,000 (Jun 2020)
Tax Bill	$22,951 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Feb 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`096-121-07`

Property Details

APN / Parcel Number

Primary APN	`096-121-07`
Alternative APN	`096-121-07-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,906 sqft Living Area
Gross Area	3,346 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	181,950 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	333 sqft
Patio Area	333 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	22950 SUMMIT RD
City	LOS GATOS
State	CA
Zip	95033-9276
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	JOHN W WINTHER
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SUMMIT ROAD
Census Block Group	1
Census Block	1010
Census Tract	121000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	22950 SUMMIT RD, LOS GATOS, CA 95033-9276
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Deed of Trust, Mortgage · Line of Credit STANFORD FCU
Feb 1, 2022	Intrafamily Transfer, Transfer
Jun 26, 2020	Grant Deed, Transfer · Conventional Mortgage STANFORD FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2020 · Amount on File
Deed Sale	Jun 26, 2020 · Amount on File
Deed Document Number	202022835
Last Transfer Date	Jan 21, 2022
Transfer Doc	0000003298
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	22950 SUMMIT RD, LOS GATOS, CA 95033-9276
Transaction Type	Mortgage
Record Updated	Jul 5, 2022
Title Company	ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22950 SUMMIT RD, LOS GATOS, CA 95033-9276

Mortgage

Document Number	0000018968
Date	Jun 23, 2022
Instrument	2022-0018968

Lender

Name	STANFORD FCU
Type	Credit Union
Address	PALO ALTO, CA 94303

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 1, 2022
Property Address	22950 SUMMIT RD, LOS GATOS, CA 95033-9276
Document Number	0000003298
Instrument Date	Jan 21, 2022
Instrument	2022-0003298
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
Address	22950 SUMMIT RD, LOS GATOS, CA 95033-9276

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 26, 2020
Property Address	22950 SUMMIT RD, LOS GATOS, CA 95033-9276
Document Number	0000022835
Map Reference	VOL 622 PG 151
Instrument Date	Jun 17, 2020
Instrument	2020-0022835
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CORNERSTONE 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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	22950 SUMMIT RD, LOS GATOS, CA 95033-9276

Mortgage

Document Number	0000022836
Date	Jun 26, 2020
Instrument	2020-0022836

Lender

Name	STANFORD FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 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
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		$2,029,946 (+2%) Land $1,115,519 Building $914,427
2025	$22,951.00 (+8.44%) Homeowner's exemption	$1,990,143 (+9.12%) Land $1,093,646 Building $896,497
2023	$21,164.00 (+3.4%)	$1,823,795 Land $1,051,179 Building $772,616	$1,691,280
2022	$20,469.00

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	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

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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