381 Timberline, Los Gatos, CA 95033 Property Records

Santa Cruz County property record for 381 Timberline, Los Gatos, CA 95033

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,311 sqft · built 1979
Lot Size	9.87 acres (429,981 sqft)
Owner	Company Name on Record
Tax Bill	$8,583 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`088-181-17`

Property Details

APN / Parcel Number

Primary APN	`088-181-17`
Alternative APN	`088-181-17-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,311 sqft Living Area
Gross Area	2,465 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	429,981 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	1,154 sqft
Parking Spaces	4 Parking Spaces
Deck Area	570 sqft
Patio Area	570 sqft

Location & Zoning

Street Address	381 TIMBERLINE
City	LOS GATOS
State	CA
Zip	95033-9528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	3
Census Block	3006
Census Tract	120500

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	381 TIMBERLINE, LOS GATOS, CA 95033-9528
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · Line of Credit MISSION CITY FEDERAL CREDIT UNION
Dec 30, 2021	Deed of Trust, Mortgage MISSION CITY FCU
Oct 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 9, 2017	Deed of Trust, Mortgage · Line of Credit AMERICAN SECURITIES

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 29, 1997
Transfer Doc	0000020279
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 28, 2026
Property Address	381 TIMBERLINE, LOS GATOS, CA 95033-9528
Document Number	0000016981
Instrument Date	Jul 22, 2026
Instrument	202616981
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	381 TIMBERLINE LN, AUBURN, CA 95603-5460

Mortgage

Document Number	0000016981,
Date	Jul 28, 2026
Instrument	202616981

Lender

Name	MISSION CITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 28, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	381 TIMBERLINE, LOS GATOS, CA 95033-9528
Transaction Type	Mortgage
Record Updated	Jan 12, 2022
Title Company	CHICAGO TITLE-INLAND EMPIRE, CHICAGO TITLE INLAND EMPIRE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 TIMBERLINE, LOS GATOS, CA 95033-9528

Mortgage

Document Number	0000062692
Date	Dec 30, 2021
Instrument	2021-0062692

Lender

Name	MISSION CITY FCU
Type	Credit Union
Address	SANTA CLARA, CA 95050

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Jan 15, 2032

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	381 TIMBERLINE, LOS GATOS, CA 95033-9528
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CORNERSTONE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034544
Date	Oct 13, 2017
Instrument	2017-0034544

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2032

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	381 TIMBERLINE, LOS GATOS, CA 95033-9528
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 TIMBERLINE, LOS GATOS, CA 95033-9528

Mortgage

Document Number	0000042255
Date	Oct 16, 2020
Instrument	2020-0042255

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	381 TIMBERLINE, LOS GATOS, CA 95033-9528
Document Number	0000034545
Instrument Date	Oct 9, 2017
Transaction Type	Mortgage
Record Updated	Oct 27, 2017
Title Company	CORNERSTONE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	381 TIMBERLINE LOS GATOS CA 950339528, LOS GATOS, CA 95033-9528

Mortgage

Document Number	0000034545
Date	Oct 13, 2017
Instrument	34545

Lender

Name	AMERICAN SECURITIES
Address	BILLINGS, MT 59107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2047

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	Lakeside Joint Elementary School District (KG - 08)
Secondary School District	Los Gatos-Saratoga Joint Union School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$685,428 (+2%) Land $523,090 Building $162,338
2025	$8,583.00 (+5.58%) Homeowner's exemption	$671,988 (+4.04%) Land $512,833 Building $159,155
2023	$8,129.00 (-0.47%) Homeowner's exemption	$645,894 Land $492,919 Building $152,975	$1,295,100
2022	$8,167.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	18 (1982–2000)
Claims Outside the SFHA	4 of 18
Most Recent Claim	Feb 2000 · other causes
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 9 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 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	High above 72% of the US · above 48% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	LAS CUMBRES MUTUAL WATER CO private · serves 402 people · EPA ID CA4400631
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter resolved · Nov 2016 Treatment failure resolved · Nov 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Ridge Wireless Fixed Wireless	100 / 60
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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