396 Toro Canyon Rd, Carpinteria, CA 93013 Property Records

Santa Barbara County property record for 396 Toro Canyon Rd, Carpinteria, CA 93013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,192 sqft · built 1983
Lot Size	1.28 acres (56,192 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,762,500 (Feb 2020)
Tax Bill	$12,723 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`155-140-040`

Property Details

APN / Parcel Number

Primary APN	`155-140-040`
Alternative APN	`15514040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	3,192 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	56,192 sqft

Location & Zoning

Street Address	396 TORO CANYON RD
City	CARPINTERIA
State	CA
Zip	93013-3077
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR10
Legal Description	PARCEL MAP 3/7 PARCEL A
Legal Subdivision	PARCEL MAP NO 10676
Legal Lot Number	A
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	CARPINTERIA
Census Block Group	3
Census Block	3004
Census Tract	1706

Owner

Source: Santa Barbara County records, as of July 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	396 TORO CANYON RD, CARPINTERIA, CA 93013-3077
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · Line of Credit JUSTICE FEDERAL CREDIT UNION
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Feb 12, 2020	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2020 · Amount on Record
Deed Sale	Feb 12, 2020 · Amount on Record
Deed Document Number	20207201
Prior Transfer Date	Jan 27, 2020
Prior Transfer Doc	0000007201
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	396 TORO CANYON RD, CARPINTERIA, CA 93013-3077
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000087057
Date	Dec 27, 2021
Instrument	2021-0087057

Lender

Name	JUSTICE FEDERAL CREDIT UNION
Type	Credit Union
Address	CHANTILLY, VA 20151

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	232 Months
Due	Apr 28, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	396 TORO CANYON RD, CARPINTERIA, CA 93013-3077
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 TORO CANYON RD, CARPINTERIA, CA 93013-3077

Mortgage

Document Number	0000061276
Date	Oct 29, 2020
Instrument	2020-0061276

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Feb 12, 2020
Property Address	396 TORO CANYON RD, CARPINTERIA, CA 93013-3077
Document Number	0000007201
Map Reference	MB 3 PG 7
Instrument Date	Jan 27, 2020
Instrument	2020-0007201
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CHICAGO 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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	396 TORO CANYON RD, CARPINTERIA, CA 93013-3077

Mortgage

Document Number	0000007203
Date	Feb 12, 2020
Instrument	2020-0007203

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: Santa Barbara County assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Unified School District	Carpinteria Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,213,045 (+2%) Land $439,345 Building $773,700
2025	$12,723.00 (+3.79%)	$1,189,261 (+4.04%) Land $430,731 Building $758,530
2023	$12,258.00 (+0.84%)	$1,143,082 Land $414,006 Building $729,076
2022	$12,156.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	8 (1978–2018)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Jan 2018 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 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	Moderate above 61% of the US · lower than 62% of California
Wildfire Likelihood	0.2% 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	MONTECITO WATER DIST serves 12,010 people · EPA ID CA4210007
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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