2305 Bear Canyon Rd, Los Gatos, CA 95033 Property Records

Santa Cruz County property record for 2305 Bear Canyon Rd, Los Gatos, CA 95033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,004 sqft · built 1993
Lot Size	10.9 acres (477,679 sqft)
Owner	2 Individual Names on Record
Last Sale	$755,000 (Mar 2026)
Tax Bill	$9,829 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jan 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`091-191-04`

Property Details

APN / Parcel Number

Primary APN	`091-191-04`
Alternative APN	`091-191-04-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,004 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2015
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	477,679 sqft
Terrain	Steep
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2305 BEAR CANYON RD
City	LOS GATOS
State	CA
Zip	95033-8224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Legal Description	TWP 09S RGE 02W SEC 14
Legal Subdivision	A091 19
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	3
Census Block	3018
Census Tract	120500

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	2 Individual Names on Record
Mailing Address	2305 BEAR CANYON RD, LOS GATOS, CA 95033-8224
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 4, 2024	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Mar 10, 2021	Intrafamily Transfer, Transfer
Oct 2, 2018	Grant Deed, Transfer · Conventional Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026 · Amount on Record
Deed Sale	Mar 16, 2026 · Amount on Record
Prior Sale	Jan 4, 2024 · Amount on Record
Deed Document Number	20265638
Prior Transfer Date	Oct 9, 1997
Prior Transfer Doc	0000049893
Record Updated	Oct 29, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 16, 2026
Property Address	2305 BEAR CANYON RD, LOS GATOS, CA 95033-8224
Document Number	0000005638
Instrument Date	Mar 12, 2026
Instrument	2026-0005638
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$830.50
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 with Right of Survivorship
Address	2305 BEAR CANYON RD, LOS GATOS, CA 95033-8224

Mortgage

Document Number	0000005639
Date	Mar 16, 2026
Instrument	2026-0005639

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 4, 2024
Property Address	2305 BEAR CANYON RD, LOS GATOS, CA 95033-8224
Document Number	0000000214
Instrument Date	Jan 3, 2024
Instrument	2024-0000214
Transaction Type	Transfer
Record Updated	Jan 18, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$852.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 BEAR CANYON RD, LOS GATOS, CA 95033-8224

Mortgage

Document Number	0000000215
Date	Jan 4, 2024
Instrument	2024-0000215

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2305 BEAR CANYON RD, LOS GATOS, CA 95033-8224
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017900
Date	May 26, 2020
Instrument	2020-0017900

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 10, 2021
Property Address	2305 BEAR CANYON RD, LOS GATOS, CA 95033-8224
Document Number	0000014393
Instrument Date	Jan 13, 2021
Instrument	2021-0014393
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	222 BROADWAY APT 906, 906, OAKLAND, CA 94607-3850

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 2, 2018
Property Address	2305 BEAR CANYON RD, LOS GATOS, CA 95033-8224
Document Number	0000029823
Instrument Date	Sep 25, 2018
Instrument	29823
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$746.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 BEAR CANYON RD LOS GATOS CA 950338224, LOS GATOS, CA 95033-8224

Mortgage

Document Number	29824
Date	Oct 2, 2018
Instrument	29824

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%

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	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		$806,310 (+2%) Land $629,442 Building $176,868
2025	$9,829.00 (+5.28%)	$790,500 (+8.58%) Land $617,100 Building $173,400
2024	$9,336.00 (+2.85%)
2023	$9,077.00 (-0.54%)	$728,025 Land $557,545 Building $170,480
2022	$9,126.00
2021			$649,080

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	2 in force
Nearby Flood Claims	18 (1982–2000)
Claims Outside the SFHA	4 of 18
Most Recent Claim	Feb 2000 · other causes
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 9 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 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	High above 74% of the US · above 49% of California
Wildfire Likelihood	0.4% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20
Frontier DSL	70 / 3

Cell Coverage

4G LTE (outdoors only), no 5G reported

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