Santa Barbara County property record for 295 Toro Canyon Rd, Carpinteria, CA 93013
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 6,729 sqft · built 1991 |
| Lot Size | 5.56 acres (242,194 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $28,165 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Sep 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 005-210-059 |
| Primary APN | 005-210-059 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Building Area | 6,729 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Lot Area | 242,194 sqft |
| Street Address | 295 TORO CANYON RD |
|---|---|
| City | CARPINTERIA |
| State | CA |
| Zip | 93013-3040 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR5 |
| Legal Description | PM 13934 BK 45/17-22 PARCEL 3 |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA BARBARA CA |
| Township / Civil Division | CARPINTERIA |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 1706 |
Source: Santa Barbara County records, as of July 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 539, SUMMERLAND, CA 93067-0539 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Feb 24, 2017 | Deed of Trust, Mortgage · ARM HOMEOWNERS FINANCIAL GROUP USA LLC |
| Sep 13, 2019 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Sep 18, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Aug 26, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| May 24, 2017 | Deed of Trust, Mortgage BANK OF AMERICA |
| May 12, 2017 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 24, 1999 |
| Deed Sale | Feb 24, 1999 |
| Prior Sale | Feb 18, 1999 |
| Deed Document Number | 199914963 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Property Address | 295 TORO CANYON RD, CARPINTERIA, CA 93013-3040 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000009593 |
|---|---|
| Date | Feb 24, 2017 |
| Instrument | 2017-0009593 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Mar 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Property Address | 295 TORO CANYON RD, CARPINTERIA, CA 93013-3040 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000040378 |
|---|---|
| Date | Sep 13, 2019 |
| Instrument | 2019-0040378 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | EL PASO, TX 79935 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Recording Date | Sep 18, 2017 |
| Property Address | 295 TORO CANYON RD, CARPINTERIA, CA 93013-3040 |
| Document Number | 0000044952 |
| Instrument Date | Sep 15, 2017 |
| Instrument | 44952 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX 539 SUMMERLAND CA 930670539, SUMMERLAND, CA 93067-0539 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Property Address | 295 TORO CANYON RD, CARPINTERIA, CA 93013-3040 |
| Document Number | 0000042609 |
| Instrument Date | Aug 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 295 TORO CANYON RD CARPINTERIA CA 930133040, CARPINTERIA, CA 93013-3040 |
| Document Number | 0000042609 |
|---|---|
| Date | Sep 1, 2017 |
| Instrument | 42609 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Property Address | 295 TORO CANYON RD, CARPINTERIA, CA 93013-3040 |
| Document Number | 0000026230 |
| Instrument Date | May 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 295 TORO CANYON RD CARPINTERIA CA 930133040, CARPINTERIA, CA 93013-3040 |
| Document Number | 0000026230 |
|---|---|
| Date | Jun 2, 2017 |
| Instrument | 26230 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 1, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Recording Date | May 12, 2017 |
| Property Address | 295 TORO CANYON RD, CARPINTERIA, CA 93013-3040 |
| Document Number | 0000022725 |
| Instrument Date | May 10, 2017 |
| Instrument | 22725 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2017 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | PO BOX 539 SUMMERLAND CA 930670539, SUMMERLAND, CA 93067-0539 |
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 | $2,659,948 (+2%) Land $1,002,732 Building $1,657,216 | |
| 2025 | $28,165.00 (+3.75%) Homeowner's exemption Additional exemption filed | $2,607,793 (+4.04%) Land $983,071 Building $1,624,722 |
| 2023 | $27,146.00 (+0.08%) Homeowner's exemption Additional exemption filed | $2,506,532 Land $944,899 Building $1,561,633 |
| 2022 | $27,125.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 58% of the US · lower than 65% 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.
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 92 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
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