Santa Barbara County property record for 320 E Cota St, Santa Barbara, CA 93101
| Property Type | Commercial |
|---|---|
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,725,000 (Sep 2021) |
| Tax Bill | $14,833 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Feb 2020 Mortgage + 4 more |
| Flood Zone | Zone AH (high risk) |
| APN | 031-211-005 |
| Primary APN | 031-211-005 |
|---|---|
| Alternative APN |
|
| Lot Area | 7,405 sqft (0.17 acres) |
|---|
| Street Address | 320 E COTA ST |
|---|---|
| City | SANTA BARBARA |
| State | CA |
| Zip | 93101-1622 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | CM |
| Legal Description | LOT 18 BLK 226 |
| Legal Subdivision | SANTA BARBARA |
| Legal Block | 226 |
| Legal Lot Number | 18 |
| Jurisdiction | SANTA BARBARA CA |
| Township / Civil Division | SANTA BARBARA |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 900 |
Source: Santa Barbara County records, as of July 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 127 W ORTEGA ST, SANTA BARBARA, CA 93101-3340 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2022 | Deed of Trust, Mortgage AMERICAN RIVIERA BANK |
| Feb 5, 2020 | Deed of Trust, Mortgage · Commercial Mortgage AMERICAN RIVIERA BANK |
| Sep 21, 2021 | Grant Deed, Transfer · Stand-Alone First Mortgage AMERICAN RIVIERA BANK |
| Dec 29, 2020 | Grant Deed, Transfer FIRST AMERICAN TITLE |
| Sep 28, 2017 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE |
| Sep 28, 2017 | Grant Deed, Transfer CITIZENS BUSINESS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2021 · Amount on Record |
| Deed Sale | Sep 21, 2021 · Amount on Record |
| Prior Sale | Dec 29, 2020 · Amount on Record |
| Deed Document Number | 202166785 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Property Address | 320 E COTA ST, SANTA BARBARA, CA 93101-1622 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 127 W ORTEGA ST, SANTA BARBARA, CA 93101-3340 |
| Document Number | 0000006670 |
|---|---|
| Date | Feb 8, 2022 |
| Instrument | 2022-0006670 |
| Name | AMERICAN RIVIERA BANK |
|---|---|
| Type | Bank |
| Address | SANTA BARBARA, CA 93101 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Property Address | 320 E COTA ST, SANTA BARBARA, CA 93101-1622 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | WFG NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000005926 |
|---|---|
| Date | Feb 5, 2020 |
| Instrument | 2020-0005926 |
| Name | AMERICAN RIVIERA BANK |
|---|---|
| Type | Bank |
| Address | SANTA BARBARA, CA 93101 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Recording Date | Sep 21, 2021 |
| Property Address | 320 E COTA ST, SANTA BARBARA, CA 93101-1622 |
| Document Number | 0000066785 |
| Instrument Date | Sep 16, 2021 |
| Instrument | 2021-0066785 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 127 W ORTEGA ST, SANTA BARBARA, CA 93101-3340 |
| Document Number | 0000066786 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 2021-0066786 |
| Name | AMERICAN RIVIERA BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Recording Date | Dec 29, 2020 |
| Property Address | 320 E COTA ST, SANTA BARBARA, CA 93101-1622 |
| Document Number | 0000078174 |
| Instrument Date | Dec 28, 2020 |
| Instrument | 78174 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,998.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 21650 OXNARD ST #350 WOODLAND HILLS CA 913677855, 350, WOODLAND HILLS, CA 91367-7855 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Recording Date | Sep 28, 2017 |
| Property Address | 320 E COTA ST, SANTA BARBARA, CA 93101-1622 |
| Document Number | 0000046737 |
| Instrument Date | Sep 26, 2017 |
| Instrument | 46737 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 127 W ORTEGA ST SANTA BARBARA CA 931013340, SANTA BARBARA, CA 93101-3340 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA BARBARA CA |
| Recording Date | Sep 28, 2017 |
| Property Address | 320 E COTA ST, SANTA BARBARA, CA 93101-1622 |
| Document Number | 0000046736 |
| Instrument Date | Sep 20, 2017 |
| Instrument | 2017-0046736 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 127 W ORTEGA ST, SANTA BARBARA, CA 93101-3340 |
| Document Number | 0000046738 |
|---|---|
| Date | Sep 28, 2017 |
| Instrument | 2017-0046738 |
| Name | CITIZENS BUSINESS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|
Source: Santa Barbara County assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Barbara County |
| Municipality | Santa Barbara City |
| Unified School District | Santa Barbara Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,434,222 (+2%) Land $1,434,222 | |
| 2025 | $14,833.00 (+3.62%) | $1,406,100 (+4.04%) Land $1,406,100 |
| 2023 | $14,315.00 (+1.74%) | $1,351,500 Land $1,351,500 |
| 2022 | $14,070.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AH high risk · shallow ponding 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 38 policies |
| Nearby Flood Policies | 38 in force |
| Nearby Flood Claims | 31 (1995–2023) |
| Claims Outside the SFHA | 1 of 31 |
| Most Recent Claim | Dec 2023 · rainfall accumulation |
| 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 | Not rated no burnable land within ember reach |
|---|
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 | CITY OF SANTA BARBARA WATER DEPARTMENT serves 93,334 people · EPA ID CA4210010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2024–2026) 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 233 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Astound Broadband, Cox Communications, Frontier, GeoLinks, Verizon.
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