280 Cummings Rd, Santa Paula, CA 93060 Property Records

Ventura County property record for 280 Cummings Rd, Santa Paula, CA 93060

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,269 sqft · built 1973
Lot Size	1.99 acres (87,030 sqft)
Owner	2 Individual Names on File
Tax Bill	$15,357 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`090-0-200-175`

Property Details

APN / Parcel Number

Primary APN	`090-0-200-175`
Alternative APN	`090-0-200-285`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,269 sqft Living Area
1st Floor Area	3,609 sqft
2nd Floor Area	660 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	87,030 sqft (1.99 acres)
Garage Area	1,189 sqft
Parking Spaces	4 Parking Spaces
Pool Area	684 sqft
Deck Area	90 sqft
Patio Area	503 sqft

Location & Zoning

Old Parcel Number	0900200175
Street Address	280 CUMMINGS RD
City	SANTA PAULA
State	CA
Zip	93060-9740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE
Legal Description	LOT: 2 REF: 17PM52
Legal Subdivision	RANCHO SANTA PAULA Y SATICOY
Legal Block	200
Legal Lot Number	2
Jurisdiction	VENTURA CA
Township / Civil Division	SANTA PAULA
Census Block Group	3
Census Block	3021
Census Tract	800

Owner

280 Cummings Rd is owned and occupied by two individuals who acquired it in December 2004.

Source: Ventura County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	280 CUMMINGS RD, SANTA PAULA, CA 93060-9740
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Aug 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LNDG LLC
May 19, 2018	Deed of Trust, Mortgage · Conventional with PMI STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2004
Deed Sale	Dec 30, 2004
Deed Document Number	2004344698
Prior Transfer Date	Sep 28, 1998
Prior Transfer Doc	0000172657
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	280 CUMMINGS RD, SANTA PAULA, CA 93060-9740
Transaction Type	Mortgage
Record Updated	Jun 2, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 CUMMINGS RD, SANTA PAULA, CA 93060-9740

Mortgage

Document Number	0000099049
Date	May 18, 2021
Instrument	20210518-00099049

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	280 CUMMINGS RD, SANTA PAULA, CA 93060-9740
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030534
Date	Feb 28, 2020
Instrument	20200228-00030534

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2035

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	280 CUMMINGS RD, SANTA PAULA, CA 93060-9740
Document Number	0000105455
Instrument Date	Aug 31, 2019
Transaction Type	Mortgage
Record Updated	Sep 23, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	280 CUMMINGS RD SANTA PAULA CA 930609740, SANTA PAULA, CA 93060-9740

Mortgage

Document Number	0000105455
Date	Sep 9, 2019
Instrument	105455

Lender

Name	STEARNS LNDG LLC
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	280 CUMMINGS RD, SANTA PAULA, CA 93060-9740
Document Number	0000061463
Instrument Date	May 19, 2018
Transaction Type	Mortgage
Record Updated	Jun 8, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	280 CUMMINGS RD SANTA PAULA CA 930609740, SANTA PAULA, CA 93060-9740

Mortgage

Document Number	0000061463
Date	May 30, 2018
Instrument	61463

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	May 29, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 280 Cummings Rd was $15,357 with a homeowner's exemption, up 3.2% from the year before.

Source: Ventura County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
County	Ventura County
Secondary School District	Santa Paula Unified School District (9-12) (09 - 12)
Elementary School District	Briggs Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,358,399 (+2%) Land $754,148 Building $604,251
2025	$15,357.00 (+3.21%) Homeowner's exemption	$1,331,764 Land $739,361 Building $592,403
2024	$14,880.00 (-11.82%)
2023	$16,874.00 (-8.06%) Homeowner's exemption	$1,678,000 Land $1,091,000 Building $587,000
2022	$18,353.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 280 Cummings Rd in Zone X, an area of moderate flood risk, though there have been 2 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk · 1% annual chance, depth under 1 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	2 (1978)
Most Recent Claim	Feb 1978 · rainfall accumulation

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 280 Cummings Rd is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 66% of California
Wildfire Likelihood	0.1% 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	CITY OF SANTA PAULA serves 31,786 people · EPA ID CA5610011
Water Source	Groundwater
Last State Inspection	Oct 2024
Also Mapped Here	UNITED WTR CONS DIST
Lead	Under 1 ppb (2023–2025) 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rocket Broadband Fixed Wireless	450 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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