23486 Summit Rd, Los Gatos, CA 95033 Property Records

Santa Cruz County property record for 23486 Summit Rd, Los Gatos, CA 95033

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 2 ba · 2,440 sqft · built 1974
Lot Size	1.02 acres (44,736 sqft)
Owner	2 Individual Names on File
Last Sale	$850,000 (Aug 2011)
Tax Bill	$13,042 (2025)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`096-282-04`

Property Details

APN / Parcel Number

Primary APN	`096-282-04`
Alternative APN	`096-282-04-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,440 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	44,736 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,160 sqft
Patio Area	1,160 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	23486 SUMMIT RD
City	LOS GATOS
State	CA
Zip	95033-9221
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	R-1-1AC
Legal Subdivision	SOQUEL AUGMENTATION RHO
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SUMMIT ROAD
Census Block Group	1
Census Block	1016
Census Tract	121000

Owner

23486 Summit Rd, recreational vacant land, is owned and occupied by two individuals who bought it in August 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	23486 SUMMIT RD, LOS GATOS, CA 95033-9221
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2011 · Amount on File
Deed Sale	Aug 5, 2011 · Amount on File
Prior Sale	Aug 5, 2011 · Amount on File
Deed Document Number	201131390
Prior Transfer Date	Jan 19, 2005
Prior Transfer Doc	0000007414
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	23486 SUMMIT RD, LOS GATOS, CA 95033-9221
Transaction Type	Mortgage
Record Updated	Mar 23, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23486 SUMMIT RD, LOS GATOS, CA 95033-9221

Mortgage

Document Number	0000007552
Date	Mar 8, 2022
Instrument	2022-0007552

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 23486 Summit Rd was $13,042.

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		$1,089,002 (+2%) Land $704,648 Building $384,354
2025	$13,042.00	$1,067,649 Land $690,832 Building $376,817
2023	$12,459.00 (+4.69%)	$1,026,191 Land $664,006 Building $362,185	$1,428,210
2022	$11,901.00

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

Flood

FEMA maps place 23486 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 23486 Summit Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	VILLA DEL MONTE MWC private · serves 422 people · EPA ID CA4400595
Water Source	Surface water
Last State Inspection	Apr 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Surfnet Communications Fiber · Fixed Wireless	2,500 / 2,500
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Etheric Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Summit Rd

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