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2526 Howe St, Santa Cruz, CA 95065 Property Records

Santa Cruz County property record for 2526 Howe St, Santa Cruz, CA 95065

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,098 sqft · built 1971
Lot Size0.15 acres (6,534 sqft)
OwnerIndividual Name on Record
Last Sale$736,000 (Nov 2016)
Tax Bill$7,052 (2025)
Deeds & MortgagesFeb 2024 Reverse Mortgage
Dec 2019 Transfer
Flood ZoneZone X (minimal risk)
APN025-111-37

Property Details

APN / Parcel Number

Primary APN025-111-37
Alternative APN
  • 025-111-37-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Building Area1,098 sqft Living Area
Gross Area1,578 sqft

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1971
Construction TypeWood
Roof MaterialOther
Lot Area6,534 sqft (0.15 acres)
Garage TypeAttached
Garage Area480 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address2526 HOWE ST
CitySANTA CRUZ
StateCA
Zip95065-1903
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-6
Legal DescriptionLOT 21
Legal SubdivisionWILSON BROTHERS 03
Legal Lot Number21
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group2
Census Block2009
Census Tract121300

Owner

Source: Santa Cruz County records, as of August 24, 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 Address2526 HOWE ST, SANTA CRUZ, CA 95065-1903
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 8, 2024Deed of Trust, Mortgage · Reverse Mortgage
CROSSCOUNTRY MORTGAGE LLC
Dec 5, 2019Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 10, 2016 · Amount on Record
Deed SaleNov 10, 2016 · Amount on Record
Prior SaleJun 29, 2005 · Amount on Record
Deed Document Number201644452
Last Transfer DateOct 22, 2019
Transfer Doc0000038036
Record UpdatedOct 29, 2026

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address2526 HOWE ST, SANTA CRUZ, CA 95065-1903
Transaction TypeMortgage
Record UpdatedJun 8, 2026
Title CompanyFNC TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address2526 HOWE ST, SANTA CRUZ, CA 95065-1903

Mortgage

Document Number0000002339
DateFeb 8, 2024
Instrument2024-0002339
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
AddressCLEVELAND, OH 44114
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate7.54%
AdjustableAdjustable Rate Rider
Type Change DateMar 1, 2024
Change FrequencyMonthly
Index1-Year T-Bill
Max Rate12.5%

December 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateDec 5, 2019
Property Address2526 HOWE ST, SANTA CRUZ, CA 95065-1903
Document Number0000038036
Instrument DateOct 22, 2019
Instrument38036
Transaction TypeTransfer
Record UpdatedDec 19, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address2526 HOWE ST SANTA CRUZ CA 950651903, SANTA CRUZ, CA 95065-1903

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Secondary School DistrictSanta Cruz City High School District (9-12) (09 - 12)
Elementary School DistrictSoquel Elementary School District (KG - 08)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$485,926 (+2%) Land $306,232 Building $179,694
2025$7,052.00 (+6.67%) Homeowner's exemption$476,398 (+4.04%) Land $300,228 Building $176,170
2024$6,611.00 (+2.78%)
2023$6,432.00 (+1.71%)$457,899 Land $288,569 Building $169,330$906,660
2022$6,324.00

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 8 (10% premium discount)
Nearby Flood Policies2 in force

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 80% of the US · lower than 88% of California
Wildfire Likelihood0.02% 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 401 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250

May also be available: AT&T, Cruzio, GeoLinks, Surfnet Communications, Verizon.

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