28 Summit Ave, Felton, CA 95018 Property Records

Santa Cruz County property record for 28 Summit Ave, Felton, CA 95018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,098 sqft · built 1974
Lot Size	0.367 acres (15,987 sqft)
Owner	2 Individual Names on File
Last Sale	$580,000 (Dec 2006)
Tax Bill	$9,387 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066-162-40`

Property Details

APN / Parcel Number

Primary APN	`066-162-40`
Alternative APN	`066-162-40-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,098 sqft Living Area
Gross Area	2,629 sqft
Basement Area	196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	15,987 sqft (0.367 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	531 sqft
Parking Spaces	2 Parking Spaces
Deck Area	587 sqft
Patio Area	587 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	28 SUMMIT AVE
City	FELTON
State	CA
Zip	95018-9708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	BLK 25 LOT 33,34
Legal Subdivision	MOUNT HERMON PARK 06
Legal Block	25
Legal Lot Number	34
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1014
Census Tract	120700

Owner

28 Summit Ave is owned and occupied by two individuals who acquired it in March 2015.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28 SUMMIT AVE, FELTON, CA 95018-9708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CU
Sep 16, 2019	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2006 · Amount on File
Deed Sale	Dec 15, 2006 · Amount on File
Prior Sale	Jun 4, 2004 · Amount on File
Deed Document Number	200672339
Last Transfer Date	Mar 25, 2015
Transfer Doc	0000011485
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	28 SUMMIT AVE, FELTON, CA 95018-9708
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 SUMMIT AVE, FELTON, CA 95018-9708

Mortgage

Document Number	0000025608
Date	Dec 1, 2025
Instrument	2025-0025608

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 25, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	28 SUMMIT AVE, FELTON, CA 95018-9708
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027639
Date	Sep 16, 2019
Instrument	2019-0027639

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	28 SUMMIT AVE, FELTON, CA 95018-9708
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TI CO SALIN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024119
Date	Aug 21, 2019
Instrument	2019-0024119

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	28 SUMMIT AVE, FELTON, CA 95018-9708
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030625
Date	Aug 12, 2020
Instrument	2020-0030625

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 28 Summit Ave was $9,387 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	San Lorenzo Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$792,622 (+2%) Land $396,311 Building $396,311
2025	$9,387.00 Homeowner's exemption	$777,080 Land $388,540 Building $388,540
2023	$8,999.00 (+2.42%) Homeowner's exemption	$746,906 Land $373,453 Building $373,453	$839,880
2022	$8,786.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 28 Summit Ave in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1995.

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 File median of 57 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	26 (1995–2023)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 16 claims Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 7 claims Severe Winter Storms And Flooding, Feb 1998 · 2 claims

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

Wildfire risk around 28 Summit Ave is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	MT. HERMON ASSOCIATION, INC. private · serves 1,176 people · EPA ID CA4410008
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 249 locations within half a mile, as of December 31, 2025

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

May also be available: Cruzio, GeoLinks, Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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