Santa Cruz County property record for 23920 Summit Rd, Los Gatos, CA 95033
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,164 sqft · built 1976 |
| Lot Size | 1.02 acres (44,475 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $5,209 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 096-161-34 |
| Primary APN | 096-161-34 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,164 sqft Living Area |
| Gross Area | 2,588 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 44,475 sqft |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 1,424 sqft |
| Parking Spaces | 5 Parking Spaces |
| Deck Area | 399 sqft |
| Patio Area | 399 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 23920 SUMMIT RD |
|---|---|
| City | LOS GATOS |
| State | CA |
| Zip | 95033-9223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SUMMIT ROAD |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 121000 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 23920 SUMMIT RD, LOS GATOS, CA 95033-9223 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Aug 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PREMIER MORTGAGE RESOURCES LLC |
| Aug 29, 2018 | Deed of Trust, Mortgage BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 21, 2009 |
| Transfer Doc | 0000025875 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 23920 SUMMIT RD, LOS GATOS, CA 95033-9223 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 23920 SUMMIT RD, LOS GATOS, CA 95033-9223 |
| Document Number | 0000032988 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | 2020-0032988 |
| Name | PREMIER MORTGAGE RESOURCES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PORTLAND, OR 97209 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 23920 SUMMIT RD, LOS GATOS, CA 95033-9223 |
| Document Number | 0000027168 |
| Instrument Date | Aug 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2018 |
| Title Company | TITLE CONNECT LLC |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 23920 SUMMIT RD LOS GATOS CA 950339223, LOS GATOS, CA 95033-9223 |
| Document Number | 0000027168 |
|---|---|
| Date | Sep 5, 2018 |
| Instrument | 27168 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 4, 2048 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $356,187 (+2%) Land $124,537 Building $231,650 | ||
| 2025 | $5,209.00 (+7.07%) Homeowner's exemption | $349,203 (+4.04%) Land $122,095 Building $227,108 | |
| 2023 | $4,865.00 (+9.89%) Homeowner's exemption | $335,643 Land $117,354 Building $218,289 | $813,510 |
| 2022 | $4,427.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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