Santa Cruz County property record for 3197 Winkle Ave, Santa Cruz, CA 95065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,539 sqft · built 1966 |
| Lot Size | 0.308 acres (13,416 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $825,000 (Oct 2005) |
| Tax Bill | $14,445 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 025-091-76 |
| Primary APN | 025-091-76 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,539 sqft Living Area |
| Gross Area | 2,019 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 13,416 sqft (0.308 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 208 sqft |
| Patio Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3197 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 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 121300 |
3197 Winkle Ave is owned and occupied by two individuals who bought it in October 2005.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3197 WINKLE AVE, SANTA CRUZ, CA 95065-1912 |
| 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.
| Date | Document |
|---|---|
| Sep 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Apr 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2005 · Amount on File |
| Deed Sale | Oct 7, 2005 · Amount on File |
| Deed Document Number | 200570991 |
| Prior Transfer Date | Sep 4, 2001 |
| Prior Transfer Doc | 0000057337 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3197 WINKLE AVE, SANTA CRUZ, CA 95065-1912 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000026036 |
|---|---|
| Date | Sep 4, 2019 |
| Instrument | 2019-0026036 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3197 WINKLE AVE, SANTA CRUZ, CA 95065-1912 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SYNRGO |
| Name | Verified Name |
|---|
| Document Number | 0000011820 |
|---|---|
| Date | Apr 6, 2020 |
| Instrument | 2020-0011820 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 3197 Winkle Ave was $14,445 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,149,985 (+2%) Land $735,990 Building $413,995 | ||
| 2025 | $14,445.00 Homeowner's exemption | $1,127,436 Land $721,559 Building $405,877 | |
| 2023 | $13,170.00 (+1.21%) Homeowner's exemption | $1,083,657 Land $693,540 Building $390,117 | $1,128,330 |
| 2022 | $13,012.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3197 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 risk around 3197 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.
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 |
| 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.
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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