Santa Cruz County property record for 2645 Lode St, Santa Cruz, CA 95062
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,640 sqft · built 1946 |
| Lot Size | 0.127 acres (5,532 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,292 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-202-11 |
| Primary APN | 028-202-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,640 sqft Living Area |
| Gross Area | 1,877 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,532 sqft (0.127 acres) |
| Garage Type | Attached |
| Garage Area | 237 sqft |
| Parking Spaces | 1 Parking Space |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 2645 LODE ST |
|---|---|
| City | SANTA CRUZ |
| State | CA |
| Zip | 95062-5037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-5-PP |
| Legal Description | TR 96 |
| Legal Subdivision | CENTENNIAL TR 96 |
| Legal Tract | 96 |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 121601 |
Source: Santa Cruz County assessment roll, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2645 LODE ST, SANTA CRUZ, CA 95062-5037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
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 | Live Oak Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $413,529 (+2%) Land $243,510 Building $170,019 | ||
| 2025 | $6,292.00 (+10.7%) Homeowner's exemption | $405,421 (+4.04%) Land $238,735 Building $166,686 | |
| 2023 | $5,684.00 (+2.82%) Homeowner's exemption | $389,678 Land $229,465 Building $160,213 | $710,550 |
| 2022 | $5,528.00 |
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 |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 21 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 981 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: California Internet, Cruzio Internet, Etheric Communications, LLC., T-Mobile USA, Verizon.
5G (outdoors only) and 4G LTE
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