3195 Winkle Ave, Santa Cruz, CA 95065 Property Records

Santa Cruz County property record for 3195 Winkle Ave, Santa Cruz, CA 95065

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,204 sqft · built 1930
Lot Size	0.207 acres (9,017 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (Jul 2019)
Tax Bill	$10,725 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`025-091-39`

Property Details

APN / Parcel Number

Primary APN	`025-091-39`
Alternative APN	`025-091-39-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,204 sqft Living Area
Gross Area	1,492 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1970
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,017 sqft (0.207 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3195 WINKLE AVE
City	SANTA CRUZ
State	CA
Zip	95065-1912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	WILSON BROS TR #3
Legal Lot Number	13
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2010
Census Tract	121300

Owner

3195 Winkle Ave is owned and occupied by two individuals who acquired it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	3195 WINKLE AVE, SANTA CRUZ, CA 95065-1912
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Jul 29, 2019	Grant Deed, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2019 · Amount on File
Deed Sale	Jul 29, 2019 · Amount on File
Prior Sale	Aug 17, 1994 · Amount on File
Deed Document Number	201921347
Last Transfer Date	Apr 21, 2024
Transfer Doc	0000010739
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3195 WINKLE AVE, SANTA CRUZ, CA 95065-1912
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3195 WINKLE AVE, SANTA CRUZ, CA 95065-1912

Mortgage

Document Number	0000049587
Date	Sep 29, 2021
Instrument	2021-0049587

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3195 WINKLE AVE, SANTA CRUZ, CA 95065-1912
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015807
Date	May 7, 2020
Instrument	2020-0015807

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

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

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 29, 2019
Property Address	3195 WINKLE AVE, SANTA CRUZ, CA 95065-1912
Document Number	0000021347
Map Reference	MB 18 PG 35
Instrument Date	Jul 23, 2019
Instrument	2019-0021347
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3195 WINKLE AVE, SANTA CRUZ, CA 95065-1912

Mortgage

Document Number	0000021348
Date	Jul 29, 2019
Instrument	2019-0021348

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3195 Winkle Ave was $10,725.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Secondary School District	Santa Cruz City High School District (9-12) (09 - 12)
Elementary School District	Soquel Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$808,751 (+2%) Land $566,126 Building $242,625
2025	$10,725.00	$792,893 Land $555,025 Building $237,868
2023	$9,745.00 (+1.37%)	$762,104 Land $533,473 Building $228,631	$854,730
2022	$9,613.00

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

Flood

FEMA maps place 3195 Winkle Ave in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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 3195 Winkle Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SANTA CRUZ WATER DEPARTMENT serves 94,626 people · EPA ID CA4410010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) 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 401 locations within half a mile, as of December 31, 2025

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

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

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