23892 Summit Rd, Los Gatos, CA 95033 Property Records

Santa Cruz County property record for 23892 Summit Rd, Los Gatos, CA 95033

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,526 sqft · built 1952
Lot Size	1.66 acres (72,527 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Aug 2012)
Tax Bill	$14,883 (2025)
Deeds & Mortgages	Jun 2022 Transfer May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`096-161-32`

Property Details

APN / Parcel Number

Primary APN	`096-161-32`
Alternative APN	`096-161-32-000`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	17 Rooms
Building Area	4,526 sqft Living Area
Gross Area	5,498 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	72,527 sqft
View / Lot	Mountain
Garage Type	Attached
Garage Area	972 sqft
Parking Spaces	4 Parking Spaces
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	23892 SUMMIT RD
City	LOS GATOS
State	CA
Zip	95033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	SOQUEL AUGMENTATION RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SUMMIT ROAD
Census Block Group	2
Census Block	2009
Census Tract	121000

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 Record	2 Individual Names on Record
Mailing Address	23890 SUMMIT RD, LOS GATOS, CA 95033-9223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Intrafamily Transfer, Transfer
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Jan 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Dec 28, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TECHNOLOGY CU
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2012 · Amount on Record
Deed Sale	Aug 17, 2012 · Amount on Record
Deed Document Number	201239204
Last Transfer Date	Jun 17, 2022
Transfer Doc	0000019081
Record Updated	Sep 20, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 27, 2022
Property Address	23890 SUMMIT RD, LOS GATOS, CA 95033-9223
Document Number	0000019081
Instrument Date	Jun 17, 2022
Instrument	2022-0019081
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
Relationship	Family Trust
Address	23890 SUMMIT RD, LOS GATOS, CA 95033-9223

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	23890 SUMMIT RD, LOS GATOS, CA 95033-9223
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23890 SUMMIT RD, LOS GATOS, CA 95033-9223

Mortgage

Document Number	0000026215
Date	May 7, 2021
Instrument	2021-0026215

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	23890 SUMMIT RD, LOS GATOS, CA 95033-9223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001038
Date	Jan 10, 2017
Instrument	2017-0001038

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	23890 SUMMIT RD, LOS GATOS, CA 95033-9223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMER TI SANTA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044166
Date	Dec 28, 2017
Instrument	2017-0044166

Lender

Name	TECHNOLOGY CU
Type	Credit Union
Address	SAN JOSE, CA 95131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 20, 2043

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	23890 SUMMIT RD, LOS GATOS, CA 95033-9223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037063
Date	Nov 26, 2019
Instrument	2019-0037063

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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		$1,270,061 (+2%) Land $481,776 Building $788,285
2025	$14,883.00 (+4.52%) Homeowner's exemption	$1,245,157 (+4.04%) Land $472,329 Building $772,828
2023	$14,240.00 (+4.3%) Homeowner's exemption	$1,196,806 Land $453,988 Building $742,818	$1,760,850
2022	$13,653.00

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 (1995–2023)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 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	Moderate above 60% of the US · lower than 64% 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.

Drinking Water

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

Water System	SANTA CLARA VALLEY WATER DISTRICT serves 0 people · EPA ID CA4310027
Water Source	Surface water
Last State Inspection	Dec 2025

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 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.

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