231 Button St, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 231 Button St, Santa Cruz, CA 95060

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,068 sqft · built 2004
Lot Size	0.052 acres (2,265 sqft)
Owner	2 Individual Names on File
Last Sale	$614,000 (Mar 2007)
Tax Bill	$9,901 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`008-631-06`

Property Details

APN / Parcel Number

Primary APN	`008-631-06`
Alternative APN	`008-631-06-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,068 sqft Living Area
Gross Area	1,468 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,265 sqft (0.052 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	231 BUTTON ST
City	SANTA CRUZ
State	CA
Zip	95060-2216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	TRACT 1462 MAGNOLIA PARK
Legal Lot Number	6
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1001
Census Tract	100200

Owner

231 Button St is owned by two individuals who bought it in March 2007.

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 File
Mailing Address	PO BOX 375, SANTA CRUZ, CA 95061-0375
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
Jul 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jul 13, 2018	Deed of Trust, Mortgage · Line of Credit BAY FCU
May 17, 2017	Deed of Trust, Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2007 · Amount on File
Deed Sale	Mar 28, 2007 · Amount on File
Deed Document Number	200716701
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	231 BUTTON ST, SANTA CRUZ, CA 95060-2216
Transaction Type	Mortgage
Record Updated	Oct 12, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 375, SANTA CRUZ, CA 95061-0375

Mortgage

Document Number	0000024754
Date	Aug 31, 2022
Instrument	2022-0024754

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Oct 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	231 BUTTON ST, SANTA CRUZ, CA 95060-2216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024824
Date	Jul 9, 2020
Instrument	2020-0024824

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	231 BUTTON ST, SANTA CRUZ, CA 95060-2216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021370
Date	Jul 13, 2018
Instrument	2018-0021370

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	231 BUTTON ST, SANTA CRUZ, CA 95060-2216
Document Number	0000017530
Instrument Date	May 17, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	NORTHWESTERN TITLE COMPANY, FIRST AMTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	231 BUTTON ST SANTA CRUZ CA 950602216, SANTA CRUZ, CA 95060-2216

Mortgage

Document Number	0000017530
Date	May 30, 2017
Instrument	17530

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 231 Button St was $9,901.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Santa Cruz City
Elementary School District	Santa Cruz City Elementary School District (KG - 05)
Secondary School District	Santa Cruz City High School District (6-12) (06 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$839,086 (+2%) Land $614,964 Building $224,122
2025	$9,901.00	$822,634 Land $602,906 Building $219,728
2023	$9,100.00 (+1.13%)	$790,688 Land $579,494 Building $211,194	$743,850
2022	$8,998.00

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

Flood

FEMA maps place 231 Button St in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 24 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	24 in force

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 231 Button St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SANTA CRUZ WATER DEPARTMENT serves 94,626 people · EPA ID CA4410010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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