Santa Cruz County property record for 2556 Howe St, Santa Cruz, CA 95065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,390 sqft · built 1936 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $850,000 (Sep 2019) |
| Tax Bill | $12,278 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 025-111-47 |
| Primary APN | 025-111-47 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,390 sqft Living Area |
| Gross Area | 1,863 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,360 sqft (0.146 acres) |
| Garage Type | Attached |
| Garage Area | 473 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 169 sqft |
| Patio Area | 169 sqft |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 2556 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 Lot Number | A |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 121300 |
2556 Howe St is owned and occupied by two individuals who bought it in September 2019.
Source: Santa Cruz County records, as of September 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2556 HOWE ST, SANTA CRUZ, CA 95065-1903 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Sep 30, 2019 | Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2019 · Amount on File |
| Deed Sale | Sep 30, 2019 · Amount on File |
| Prior Sale | Dec 20, 2005 · Amount on File |
| Deed Document Number | 201929754 |
| Prior Transfer Date | Jan 4, 2005 |
| Prior Transfer Doc | 0000002352 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2556 HOWE ST, SANTA CRUZ, CA 95065-1903 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 2556 HOWE ST, SANTA CRUZ, CA 95065-1903 |
| Document Number | 0000035951 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 2020-0035951 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 30, 2019 |
| Property Address | 2556 HOWE ST, SANTA CRUZ, CA 95065-1903 |
| Document Number | 0000029754 |
| Map Reference | MB 51 PG 52 |
| Instrument Date | Sep 26, 2019 |
| Instrument | 2019-0029754 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2556 HOWE ST, SANTA CRUZ, CA 95065-1903 |
| Document Number | 0000029755 |
|---|---|
| Date | Sep 30, 2019 |
| Instrument | 2019-0029755 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 2556 Howe St was $12,278.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $948,191 (+2%) Land $616,324 Building $331,867 | ||
| 2025 | $12,278.00 | $929,600 Land $604,240 Building $325,360 | |
| 2023 | $11,176.00 (+1.3%) | $893,501 Land $580,776 Building $312,725 | $980,730 |
| 2022 | $11,033.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2556 Howe St in Zone X, an area of minimal flood risk.
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 risk around 2556 Howe St is low, with a 0.02% annual chance of 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.
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 |
| 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.
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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