2544 Howe St, Santa Cruz, CA 95065 Property Records

Santa Cruz County property record for 2544 Howe St, Santa Cruz, CA 95065

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 672 sqft · built 1982
Lot Size	0.188 acres (8,189 sqft)
Owner	Trust Name on Record
Tax Bill	$2,904 (2025)
Deeds & Mortgages	Nov 2023 Transfer May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`025-111-01`

Property Details

APN / Parcel Number

Primary APN	`025-111-01`
Alternative APN	`025-111-01-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	672 sqft Living Area
Gross Area	996 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,189 sqft (0.188 acres)
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2544 HOWE ST
City	SANTA CRUZ
State	CA
Zip	95065-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	WILSON BROS 03
Legal Lot Number	21
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2009
Census Tract	121300

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	Trust Name on Record
Mailing Address	PO BOX 32548, SAN JOSE, CA 95152-2548
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Intrafamily Transfer, Transfer
May 9, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 9, 2023
Transfer Doc	0000021579
Record Updated	Sep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 7, 2023
Property Address	2544 HOWE ST, SANTA CRUZ, CA 95065-1903
Document Number	0000021579
Map Reference	MB 18 PG 35
Instrument Date	Oct 9, 2023
Instrument	2023-0021579
Transaction Type	Transfer
Record Updated	Nov 22, 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	PO BOX 32548, SAN JOSE, CA 95152-2548

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 9, 2022
Property Address	2544 HOWE ST, SANTA CRUZ, CA 95065-1903
Document Number	0000014661
Map Reference	MB 18 PG 35
Instrument Date	Feb 9, 2022
Instrument	2022-0014661
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2544 HOWE ST, 2544, SANTA CRUZ, CA 95065-1903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2544 HOWE ST, SANTA CRUZ, CA 95065-1903

Mortgage

Document Number	0000014662
Date	May 9, 2022
Instrument	2022-0014662

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Mar 1, 2042

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Secondary School District	Santa Cruz City High School District (9-12) (09 - 12)
Elementary School District	Soquel Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$106,164 (+2%) Land $55,162 Building $51,002
2025	$2,904.00 (+14.56%)	$104,083 (+4.04%) Land $54,081 Building $50,002
2023	$2,535.00 (+3.3%)	$100,042 Land $51,981 Building $48,061	$688,770
2022	$2,454.00

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	2 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 Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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	SANTA CRUZ WATER DEPARTMENT serves 94,626 people · EPA ID CA4410010
Water Source	Surface water
Last State Inspection	Jun 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 401 locations within half a mile, as of December 31, 2025

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

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

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