322 Front St, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 322 Front St, Santa Cruz, CA 95060

Property Summary

Property Type	Retail Store
Details	9,828 sqft · built 1978
Lot Size	0.23 acres (10,019 sqft)
Owner	Company Name on Record
Last Sale	$6,000,000 (Sep 2021)
Tax Bill	$79,552 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone A99 (high risk)
APN	`005-151-51`

Property Details

APN / Parcel Number

Primary APN	`005-151-51`
Alternative APN	`005-151-51-000`

Interior

Stories	1 Story
Building Area	9,828 sqft Gross Area
1st Floor Area	9,828 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	10,019 sqft (0.23 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	322 FRONT ST
City	SANTA CRUZ
State	CA
Zip	95060
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	101002

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 377, SANTA CRUZ, CA 95061-0377
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC VALLEY BANK
Aug 14, 2023	Deed of Trust, Mortgage · Commercial Mortgage SANTA CRUZ COUNTY BANK
Oct 5, 2021	Agreement of Sale, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Sep 30, 2021	Grant Deed, Transfer · Commercial Mortgage THE CAVALLINO FUND LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Apr 2, 2001 · Amount on Record
Deed Document Number	202149706
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	May 21, 2026
Property Address	322 FRONT ST, SANTA CRUZ, CA 95060
Document Number	0000011538
Instrument Date	May 18, 2026
Instrument	202611538
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	316 FRONT ST, SANTA CRUZ, CA 95060-4502

Mortgage

Document Number	0000011538,
Date	May 21, 2026
Instrument	202611538

Lender

Name	PACIFIC VALLEY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	322 FRONT ST, SANTA CRUZ, CA 95060
Transaction Type	Mortgage
Record Updated	Aug 30, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015226
Date	Aug 14, 2023
Instrument	2023-0015226

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2021: Agreement of Sale, Transfer

Document Type	Agreement of Sale
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 5, 2021
Property Address	322 FRONT ST, SANTA CRUZ, CA 95060
Document Number	0000050344
Instrument Date	Oct 4, 2021
Instrument	2021-0050344
Transaction Type	Transfer
Record Updated	Nov 15, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 377, SANTA CRUZ, CA 95061-0377

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 30, 2021
Property Address	322 FRONT ST, SANTA CRUZ, CA 95060
Document Number	0000049706
Map Reference	VOL 521 PG 448
Instrument Date	Sep 21, 2021
Instrument	2021-0049706
Transaction Type	Transfer
Record Updated	Nov 15, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	PO BOX 377, SANTA CRUZ, CA 95061-0377

Mortgage

Document Number	0000049707
Date	Sep 30, 2021
Instrument	2021-0049707

Lender

Name	THE CAVALLINO FUND LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000049709
Date	Sep 30, 2021
Instrument	2021-0049709

Lender

Name	HAMILTON RIDGE CAPITAL
Type	Non-Lending Institution
Address	SAN JOSE, CA 95113

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Santa Cruz City
Elementary School District	Santa Cruz City Elementary School District (KG - 05)
Secondary School District	Santa Cruz City High School District (6-12) (06 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$7,035,809 (+2%) Land $3,788,513 Building $3,247,296
2025	$79,552.00 (+6.91%)	$6,897,852 (+4.04%) Land $3,714,228 Building $3,183,624
2024	$74,410.00 (+1.26%)
2023	$73,483.00 (+1.17%)	$6,630,000 Land $3,570,000 Building $3,060,000
2022	$72,635.00

Assessed value is set for property tax purposes and is not a market price estimate.

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 A99 high risk · federal flood protection under construction
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 99 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	99 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

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	0.01% annual chance
Exposure	None beyond ember reach

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 591 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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