305 Summit Dr, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 305 Summit Dr, Santa Cruz, CA 95060

Property Summary

Property Type	Recreational Vacant Land
Details	2 bd · 2 ba · 3,116 sqft · built 2023
Lot Size	3.48 acres (151,589 sqft)
Owner	Individual Name on Record
Last Sale	$568,500 (Mar 2011)
Tax Bill	$9,303 (2025)
Deeds & Mortgages	Jun 2022 Construction Loan Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-041-12`

Property Details

APN / Parcel Number

Primary APN	`080-041-12`
Alternative APN	`080-041-12-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	3,116 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Wood
Roof Material	Metal
Lot Area	151,589 sqft
Garage Type	Attached
Garage Area	288 sqft
Deck Area	201 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	305 SUMMIT DR
City	SANTA CRUZ
State	CA
Zip	95060-9667
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RR
Legal Description	MAP A3 931
Legal Subdivision	SUMMIT PARK
Legal Lot Number	A,16
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1026
Census Tract	120301

Owner

Source: Santa Cruz County records, as of August 19, 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	Individual Name on Record
Mailing Address	305 SUMMIT DR, SANTA CRUZ, CA 95060-9667
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Deed of Trust, Mortgage · Construction Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 5, 2019	Quit Claim Deed, Transfer BANK OF THE WEST
Nov 5, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2011 · Amount on Record
Deed Sale	Mar 25, 2011 · Amount on Record
Deed Document Number	201112827
Last Transfer Date	Jun 14, 2019
Transfer Doc	0000018547
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	305 SUMMIT DR, SANTA CRUZ, CA 95060-9667
Transaction Type	Mortgage
Record Updated	Jun 15, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 SUMMIT DR, SANTA CRUZ, CA 95060-9667

Mortgage

Document Number	0000016911
Date	Jun 1, 2022
Instrument	2022-0016911

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jun 1, 2053

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 5, 2019
Property Address	305 SUMMIT DR, SANTA CRUZ, CA 95060-9667
Document Number	0000018547
Instrument Date	Jun 14, 2019
Instrument	18547
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 SUMMIT DR SANTA CRUZ CA 950609667, SANTA CRUZ, CA 95060-9667

Mortgage

Document Number	18548
Date	Jul 5, 2019
Instrument	18548

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	305 SUMMIT DR, SANTA CRUZ, CA 95060-9667
Document Number	0000038314
Instrument Date	Nov 5, 2018
Transaction Type	Mortgage
Record Updated	Jan 18, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	305 SUMMIT DR SANTA CRUZ CA 950609667, SANTA CRUZ, CA 95060-9667

Mortgage

Document Number	0000038314
Date	Dec 26, 2018
Instrument	38314

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Elementary School District	Bonny Doon Union Elementary School District (KG - 06)
Secondary School District	Santa Cruz City High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$774,244 (+2%) Land $504,426 Building $269,818
2025	$9,303.00 (+35.77%)	$759,063 (+22.24%) Land $494,535 Building $264,528
2023	$6,852.00 (+51.09%)	$620,976 Land $427,798 Building $193,178	$960,660
2022	$4,535.00

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 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	20 (1980–2017)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Mar 2017 · other causes
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 8 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 4 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

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

Wildfire Risk	Moderate above 51% of the US · lower than 70% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Cruzio, Surfnet Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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