2665 Lode St, Santa Cruz, CA 95062 Property Records

Santa Cruz County property record for 2665 Lode St, Santa Cruz, CA 95062

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,491 sqft · built 1955
Lot Size	0.127 acres (5,532 sqft)
Owner	Individual Name on File
Last Sale	$1,900,000 (Sep 2021)
Tax Bill	$24,482 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`028-202-15`

Property Details

APN / Parcel Number

Primary APN	`028-202-15`
Alternative APN	`028-202-15-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,491 sqft Living Area
Gross Area	1,741 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,532 sqft (0.127 acres)
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space
Deck Area	299 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2665 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 Subdivision	CENTENNIAL TR 96
Legal Block	1
Legal Lot Number	4
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2000
Census Tract	121601

Owner

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	Individual Name on File
Mailing Address	2665 LODE ST, SANTA CRUZ, CA 95062-5037
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Grant Deed, Transfer · Conventional Mortgage UBS BANK USA
Sep 16, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 16, 2021 · Amount on Record
Deed Sale	Sep 16, 2021 · Amount on Record
Prior Sale	Mar 3, 2003 · Amount on Record
Deed Document Number	202147536
Prior Transfer Date	Sep 13, 2021
Prior Transfer Doc	0000047535
Record Updated	Sep 20, 2026

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 16, 2021
Property Address	2665 LODE ST, SANTA CRUZ, CA 95062-5037
Document Number	0000047536
Map Reference	MB 29 PG 11
Instrument Date	Sep 13, 2021
Instrument	2021-0047536
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,090.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	2665 LODE ST, SANTA CRUZ, CA 95062-5037

Mortgage

Document Number	0000047537
Date	Sep 16, 2021
Instrument	2021-0047537

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Oct 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.5%
Index	Other
Margin	3
Max Rate	12.5%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 16, 2021
Property Address	2665 LODE ST, SANTA CRUZ, CA 95062-5037
Document Number	0000047535
Map Reference	MB 29 PG 11
Instrument Date	Sep 13, 2021
Instrument	2021-0047535
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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
Address	2665 LODE ST, SANTA CRUZ, CA 95062-5037

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	Live Oak Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,056,621 (+2%) Land $1,623,648 Building $432,973
2025	$24,482.00 (+8.6%)	$2,016,295 (+4.04%) Land $1,591,812 Building $424,483
2023	$22,543.00 (+2.22%)	$1,938,000 Land $1,530,000 Building $408,000	$1,830,330
2022	$22,054.00

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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