23900 Summit Rd, Los Gatos, CA 95033 Property Records

Santa Cruz County property record for 23900 Summit Rd, Los Gatos, CA 95033

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 2 ba · 2,424 sqft · built 1946
Lot Size	1.11 acres (48,700 sqft)
Owner	2 Individual Names on File
Last Sale	$1,265,000 (Jul 2021)
Tax Bill	$16,009 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`096-161-10`

Property Details

APN / Parcel Number

Primary APN	`096-161-10`
Alternative APN	`096-161-10-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,424 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	48,700 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	455 sqft
Patio Area	455 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	23900 SUMMIT RD
City	LOS GATOS
State	CA
Zip	95033-9223
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Legal Subdivision	SOQUEL AUGMENTATON RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SUMMIT ROAD
Census Block Group	2
Census Block	2009
Census Tract	121000

Owner

23900 Summit Rd, recreational vacant land, is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	23900 SUMMIT RD, LOS GATOS, CA 95033-9223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Date	Document
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jul 12, 2021	Grant Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Apr 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage ETHOS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2021 · Amount on File
Deed Sale	Jul 12, 2021 · Amount on File
Prior Sale	Apr 5, 2012 · Amount on File
Deed Document Number	202137110
Prior Transfer Date	Jan 30, 1994
Prior Transfer Doc	0000034939
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	23900 SUMMIT RD, LOS GATOS, CA 95033-9223
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23900 SUMMIT RD, LOS GATOS, CA 95033-9223

Mortgage

Document Number	0000013306
Date	Apr 26, 2022
Instrument	2022-0013306

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 12, 2021
Property Address	23900 SUMMIT RD, LOS GATOS, CA 95033-9223
Document Number	0000037110
Instrument Date	Jul 7, 2021
Instrument	2021-0037110
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,391.50
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	23900 SUMMIT RD, LOS GATOS, CA 95033-9223

Mortgage

Document Number	0000037111
Date	Jul 12, 2021
Instrument	2021-0037111

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	23900 SUMMIT RD, LOS GATOS, CA 95033-9223
Document Number	0000013106
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23900 SUMMIT RD LOS GATOS CA 950339223, LOS GATOS, CA 95033-9223

Mortgage

Document Number	0000013106
Date	Apr 20, 2017
Instrument	13106

Lender

Name	ETHOS LNDG
Address	PITTSBURGH, PA 15212

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 23900 Summit Rd was $16,009.

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		$1,369,277 (+2%) Land $1,066,196 Building $303,081
2025	$16,009.00	$1,342,428 Land $1,045,290 Building $297,138
2023	$15,334.00 (+4.09%)	$1,290,300 Land $1,004,700 Building $285,600	$1,155,330
2022	$14,731.00

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

Flood

FEMA maps place 23900 Summit Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1995.

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

Wildfire risk around 23900 Summit Rd is moderate, ranking above 60% of the US, with a 0.2% annual chance of 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.

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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