404 Thomas Ter, Scotts Valley, CA 95066 Property Records

Santa Cruz County property record for 404 Thomas Ter, Scotts Valley, CA 95066

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 2,316 sqft · built 2020
Lot Size	0.027 acres (1,154 sqft)
Owner	2 Individual Names on Record
Last Sale	$859,000 (Jul 2020)
Tax Bill	$11,728 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`022-941-17`

Property Details

APN / Parcel Number

Primary APN	`022-941-17`
Alternative APN	`022-941-17-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,316 sqft Living Area
Gross Area	2,758 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Townhouse
Construction Type	Wood
Roof Material	Metal
Lot Area	1,154 sqft (0.027 acres)
Garage Type	Attached
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	404 THOMAS TER
City	SCOTTS VALLEY
State	CA
Zip	95066-4545
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Subdivision	TERRACE AT SCOTTS VALLEY
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1022
Census Tract	120902

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	2 Individual Names on Record
Mailing Address	404 THOMAS TER, SCOTTS VALLEY, CA 95066-4545
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 29, 2020	Deed of Trust, Mortgage · Construction Mortgage SANTA CRUZ COUNTY BANK
Jul 2, 2020	Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2020 · Amount on Record
Deed Sale	Jul 2, 2020 · Amount on Record
Deed Document Number	202023888
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	404 THOMAS TER, SCOTTS VALLEY, CA 95066-4545
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 THOMAS TER, SCOTTS VALLEY, CA 95066-4545

Mortgage

Document Number	0000048012
Date	Sep 20, 2021
Instrument	2021-0048012

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	404 THOMAS TER, SCOTTS VALLEY, CA 95066-4545
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023155
Date	Jun 29, 2020
Instrument	2020-0023155

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 2, 2020
Property Address	404 THOMAS TER, SCOTTS VALLEY, CA 95066-4545
Document Number	0000023888
Map Reference	MB 128 PG 16
Instrument Date	Jun 29, 2020
Instrument	2020-0023888
Transaction Type	Transfer
Record Updated	Aug 17, 2021
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
Relationship	Joint Tenants
Address	404 THOMAS TER, SCOTTS VALLEY, CA 95066-4545

Mortgage

Document Number	0000023889
Date	Jul 2, 2020
Instrument	2020-0023889

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

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	Scotts Valley City
Unified School District	Scotts Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$948,406 (+2%) Land $568,602 Building $379,804
2025	$11,728.00 (+8.44%)	$929,808 (+4.04%) Land $557,452 Building $372,356
2023	$10,815.00 (+1.89%)	$893,704 Land $535,806 Building $357,898	$877,140
2022	$10,614.00

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides

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 65% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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	SCOTTS VALLEY WATER DISTRICT serves 11,197 people · EPA ID CA4410013
Water Source	Groundwater
Last State Inspection	May 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	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 316 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cruzio, T-Mobile, Verizon.

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