407 Sunlit Ln, Bonny Doon (Santa Cruz), CA 95060 Property Records

Santa Cruz County property record for 407 Sunlit Ln, Bonny Doon, CA 95060

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,487 sqft · built 2007
Lot Size	2.49 acres (108,769 sqft)
Owner	Individual Name on Record
Last Sale	$1,361,000 (Jan 2018)
Tax Bill	$18,379 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`080-211-25`

Property Details

APN / Parcel Number

Primary APN	`080-211-25`
Alternative APN	`080-211-25-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Building Area	3,487 sqft Living Area
Gross Area	4,527 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	108,769 sqft
View / Lot	Mountain
Garage Type	Attached
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces
Deck Area	1,112 sqft
Patio Area	1,112 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	407 SUNLIT LN
City	SANTA CRUZ
State	CA
Zip	95060-9491
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	TWP 10S RGE 02W SEC 07
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WEST SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	120200

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	Individual Name on Record
Mailing Address	407 SUNLIT LN, SANTA CRUZ, CA 95060-9491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Dec 3, 2020	Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage CITIBANK NA
Dec 27, 2018	Quit Claim Deed, Transfer OTHER
Jan 23, 2018	Grant Deed, Transfer · ARM LUTHER BURBANK SAVINGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2018 · Amount on Record
Deed Sale	Jan 23, 2018 · Amount on Record
Prior Sale	Jan 24, 1997 · Amount on Record
Deed Document Number	20182057
Prior Transfer Date	Aug 4, 1994
Prior Transfer Doc	0000057639
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	407 SUNLIT LN, BONNY DOON, CA 95060-9491
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE COMPANY OF CALIF

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023514
Date	Jul 31, 2018
Instrument	2018-0023514

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

December 2020: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 3, 2020
Property Address	407 SUNLIT LN, BONNY DOON, CA 95060-9491
Document Number	0000051770
Instrument Date	Sep 19, 2020
Instrument	2020-0051770
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	ER TITLE CONNECT SIM

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051771
Date	Dec 3, 2020
Instrument	2020-0051771

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2050

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 27, 2018
Property Address	407 SUNLIT LN, BONNY DOON, CA 95060-9491
Document Number	0000038539
Instrument Date	Dec 21, 2018
Instrument	38539
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	431 SUNLIT LN SANTA CRUZ CA 950609491, SANTA CRUZ, CA 95060-9491

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 23, 2018
Property Address	407 SUNLIT LN, BONNY DOON, CA 95060-9491
Document Number	0000002057
Instrument Date	Jan 19, 2018
Instrument	2018-0002057
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 with Right of Survivorship
Address	407 SUNLIT LN, SANTA CRUZ, CA 95060-9491

Mortgage

Document Number	0000002058
Date	Jan 23, 2018
Instrument	2018-0002058

Lender

Name	LUTHER BURBANK SAVINGS
Type	Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Feb 1, 2023
Change Frequency	Annually
Min Rate At Change	2.62%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	10.1%

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	Bonny Doon Union Elementary School District (KG - 06)
Secondary School District	Santa Cruz City High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,579,558 (+2%) Land $853,031 Building $726,527
2025	$18,379.00 (+8.66%) Homeowner's exemption	$1,548,586 (+4.04%) Land $836,305 Building $712,281
2023	$16,915.00 (+1.59%)	$1,488,452 Land $803,830 Building $684,622	$1,405,710
2022	$16,650.00

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
Nearby Flood Claims	7 (1995–2023)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 4 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 40% of the US · lower than 76% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE only, no 5G reported

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