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234 Wavecrest Ave, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 234 Wavecrest Ave, Santa Cruz, CA 95060

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,348 sqft · built 1981
Lot Size0.093 acres (4,051 sqft)
OwnerIndividual Name on Record
Last Sale$2,110,000 (Jun 2026)
Tax Bill$15,944 (2025)
Deeds & MortgagesJun 2026 Sale
Apr 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN002-084-23

Property Details

APN / Parcel Number

Primary APN002-084-23
Alternative APN
  • 002-084-23-000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Building Area2,348 sqft Living Area
Gross Area2,744 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 2015
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area4,051 sqft (0.093 acres)
Garage TypeAttached
Garage Area396 sqft
Parking Spaces1 Parking Space
Deck Area242 sqft
Patio Area242 sqft

Utilities, Heating & Cooling

SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address234 WAVECREST AVE
CitySANTA CRUZ
StateCA
Zip95060-3041
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionWAVE CREST
Legal Lot Number18
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group2
Census Block2008
Census Tract100500

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 RecordIndividual Name on Record
Mailing Address234 WAVECREST AVE, SANTA CRUZ, CA 95060-3041
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 22, 2026Grant Deed, Transfer
FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY
Apr 23, 2021Deed of Trust, Mortgage · Conventional Mortgage
FLAGSTAR BANK FSB
Aug 30, 2019Deed of Trust, Mortgage · Line of Credit
BANK OF THE WEST
Jan 26, 2018Grant Deed, Transfer · Conventional Mortgage
OPES ADVISORS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 22, 2026 · Amount on Record
Deed SaleJun 22, 2026 · Amount on Record
Prior SaleJan 26, 2018 · Amount on Record
Deed Document Number202613941
Prior Transfer DateFeb 15, 2007
Prior Transfer Doc0000010540
Record UpdatedSep 20, 2026

June 2026: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateJun 22, 2026
Property Address234 WAVECREST AVE, SANTA CRUZ, CA 95060-3041
Document Number0000013941
Instrument DateJun 15, 2026
Instrument202613941
Transaction TypeTransfer
Record UpdatedJul 7, 2026
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$234,421.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address234 WAVECREST AVE, SANTA CRUZ, CA 95060-3041

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address234 WAVECREST AVE, SANTA CRUZ, CA 95060-3041
Transaction TypeMortgage
Record UpdatedMay 7, 2021
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address234 WAVECREST AVE, SANTA CRUZ, CA 95060-3041

Mortgage

Document Number0000023387
DateApr 23, 2021
Instrument2021-0023387
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2051

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address234 WAVECREST AVE, SANTA CRUZ, CA 95060-3041
Document Number0000031189
Instrument DateAug 30, 2019
Transaction TypeMortgage
Record UpdatedOct 24, 2019
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address234 WAVECREST AVE SANTA CRUZ CA 950603041, SANTA CRUZ, CA 95060-3041

Mortgage

Document Number0000031189
DateOct 10, 2019
Instrument31189
Lender
NameBANK OF THE WEST
TypeBank
AddressOMAHA, NE 68154
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueOct 9, 2049
Interest
Rate TypeAdjustable Rate

January 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateJan 26, 2018
Property Address234 WAVECREST AVE, SANTA CRUZ, CA 95060-3041
Document Number0000002615
Instrument DateJan 19, 2018
Instrument2615
Transaction TypeTransfer
Record UpdatedMar 28, 2019
Title CompanyOLD REPUBLIC TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,314.50
Amount AccuracyFull Value
Additional
  • Notice of Default
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address234 WAVECREST AVE SANTA CRUZ CA 950603041, SANTA CRUZ, CA 95060-3041

Mortgage

Document Number2616
DateJan 26, 2018
Instrument2616
Lender
NameOPES ADVISORS
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 25, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalitySanta Cruz City
Elementary School DistrictSanta Cruz City Elementary School District (KG - 05)
Secondary School DistrictSanta Cruz City High School District (6-12) (06 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,386,900 (+2%) Land $901,485 Building $485,415
2025$15,944.00 (+8.61%) Homeowner's exemption$1,359,706 (+4.04%) Land $883,809 Building $475,897
2023$14,680.00 (+1.16%) Homeowner's exemption$1,306,908 Land $849,490 Building $457,418$1,236,330
2022$14,512.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1998)
Claims Outside the SFHA1 of 1
Most Recent ClaimFeb 1998 · other causes

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 RiskLow
lower than 64% of the US · lower than 78% of California
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSANTA CRUZ WATER DEPARTMENT
serves 94,626 people · EPA ID CA4410010
Water SourceSurface water
Last State InspectionJun 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 234 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35

May also be available: Cruzio, GeoLinks, T-Mobile, Verizon.

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