Santa Barbara County property record for 2765 E Valley Rd, Santa Barbara, CA 93108
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,989 sqft · built 1986 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $32,380 (2025) |
| Deeds & Mortgages | Oct 2022 Reverse Mortgage Jun 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 005-492-004 |
| Primary APN | 005-492-004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,989 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 37,462 sqft (0.86 acres) |
| Street Address | 2765 E VALLEY RD |
|---|---|
| City | SANTA BARBARA |
| State | CA |
| Zip | 93108-1652 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1E1 |
| Legal Description | TR 10175 |
| Legal Subdivision | TRACT NO 10175 |
| Legal Tract | 10175 |
| Legal Lot Number | 10 |
| Jurisdiction | SANTA BARBARA CA |
| Township / Civil Division | CARPINTERIA |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 1706 |
Source: Santa Barbara County records, as of July 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 2765 E VALLEY RD, SANTA BARBARA, CA 93108-1652 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Oct 4, 2022 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Jun 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 27, 2018 | Deed of Trust, Mortgage · ARM AXOS BANK |
| Apr 23, 2018 | Quit Claim Deed, Transfer WFG NATIONAL TITLE INSURANCE |
| Apr 23, 2018 | Affidavit of Death, Transfer WFG NATIONAL TITLE INSURANCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2003 |
| Deed Sale | Jun 24, 2003 |
| Prior Sale | Jan 9, 1998 |
| Deed Document Number | 200383053 |
| Last Transfer Date | May 20, 2005 |
| Transfer Doc | 0000049438 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Property Address | 2765 E VALLEY RD, SANTA BARBARA, CA 93108-1652 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2022 |
| Title Company | FNC TITLE OF CALIFORNIA |
| Name | Verified Name |
|---|---|
| Address | 2765 E VALLEY RD, SANTA BARBARA, CA 93108-1652 |
| Document Number | 0000042620 |
|---|---|
| Date | Oct 4, 2022 |
| Instrument | 2022-0042620 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 871 Months |
| Due | May 10, 2095 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Property Address | 2765 E VALLEY RD, SANTA BARBARA, CA 93108-1652 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE EPN |
| Name | Verified Name |
|---|---|
| Address | 2765 E VALLEY RD, SANTA BARBARA, CA 93108-1652 |
| Document Number | 0000044263 |
|---|---|
| Date | Jun 11, 2021 |
| Instrument | 2021-0044263 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Property Address | 2765 E VALLEY RD, SANTA BARBARA, CA 93108-1652 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000050022 |
|---|---|
| Date | Nov 27, 2018 |
| Instrument | 2018-0050022 |
| Name | AXOS BANK |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32232 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Dec 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 11% |
| Index | 1-Year LIBOR |
| Max Rate | 11% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Recording Date | Apr 23, 2018 |
| Property Address | 2765 E VALLEY RD, SANTA BARBARA, CA 93108-1652 |
| Document Number | 0000016119 |
| Instrument Date | Apr 19, 2018 |
| Instrument | 16119 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2018 |
| Title Company | WFG NATIONAL TITLE INSURANCE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2765 E VALLEY RD SANTA BARBARA CA 931081652, SANTA BARBARA, CA 93108-1652 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Recording Date | Apr 23, 2018 |
| Property Address | 2765 E VALLEY RD, SANTA BARBARA, CA 93108-1652 |
| Document Number | 0000016118 |
| Instrument Date | Apr 19, 2018 |
| Instrument | 16118 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2018 |
| Title Company | WFG NATIONAL TITLE INSURANCE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2765 E VALLEY RD SANTA BARBARA CA 931081652, SANTA BARBARA, CA 93108-1652 |
Source: Santa Barbara County assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Barbara County |
| Unified School District | Carpinteria Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,924,230 (+2%) Land $1,772,762 Building $1,151,468 | |
| 2025 | $32,380.00 (+3.57%) | $2,866,893 (+4.04%) Land $1,738,002 Building $1,128,891 |
| 2023 | $31,263.00 (+1.33%) | $2,755,569 Land $1,670,514 Building $1,085,055 |
| 2022 | $30,854.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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 19 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 5 (1995–2023) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 | Moderate above 46% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | MONTECITO WATER DIST serves 12,010 people · EPA ID CA4210007 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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