417 Thin Edge Rd, Santa Cruz, CA 95065 Property Records

Santa Cruz County property record for 417 Thin Edge Rd, Santa Cruz, CA 95065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,786 sqft · built 1975
Lot Size	3 acres (130,941 sqft)
Owner	2 Individual Names on File
Last Sale	$805,000 (Mar 2017)
Tax Bill	$10,694 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`100-201-05`

Property Details

APN / Parcel Number

Primary APN	`100-201-05`
Alternative APN	`100-201-05-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,786 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	130,941 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	417 THIN EDGE RD
City	SANTA CRUZ
State	CA
Zip	95065-9740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	MAP 000000 00000
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1004
Census Tract	121100

Owner

417 Thin Edge Rd is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	417 THIN EDGE RD, SANTA CRUZ, CA 95065-9740
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage GOOGAIN INC
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage GOOGAIN INC
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage GOOGAIN INC
Aug 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOOGAIN
Sep 12, 2017	Deed of Trust, Mortgage · Conventional with PMI GOOGAIN
Mar 2, 2017	Grant Deed, Transfer · Conventional Mortgage GOOGAIN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2017 · Amount on File
Deed Sale	Mar 2, 2017 · Amount on File
Deed Document Number	20177516
Prior Transfer Date	Oct 4, 1999
Prior Transfer Doc	0000066569
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	417 THIN EDGE RD, SANTA CRUZ, CA 95065-9740
Transaction Type	Mortgage
Record Updated	Sep 7, 2021
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 THIN EDGE RD, SANTA CRUZ, CA 95065-9740

Mortgage

Document Number	0000043310
Date	Aug 19, 2021
Instrument	2021-0043310

Lender

Name	GOOGAIN INC
Type	Mortgage Company
Address	SUNNYVALE, CA 94086

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	417 THIN EDGE RD, SANTA CRUZ, CA 95065-9740
Transaction Type	Mortgage
Record Updated	Apr 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 THIN EDGE RD, SANTA CRUZ, CA 95065-9740

Mortgage

Document Number	0000016913
Date	Mar 24, 2021
Instrument	2021-0016913

Lender

Name	GOOGAIN INC
Type	Mortgage Company
Address	SUNNYVALE, CA 94086

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	417 THIN EDGE RD, SANTA CRUZ, CA 95065-9740
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 THIN EDGE RD, SANTA CRUZ, CA 95065-9740

Mortgage

Document Number	0000000896
Date	Jan 7, 2021
Instrument	2021-0000896

Lender

Name	GOOGAIN INC
Type	Mortgage Company
Address	SUNNYVALE, CA 94086

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jun 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	417 THIN EDGE RD, SANTA CRUZ, CA 95065-9740
Document Number	0000028410
Instrument Date	Aug 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 3, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	417 THIN EDGE RD SANTA CRUZ CA 950659740, SANTA CRUZ, CA 95065-9740

Mortgage

Document Number	0000028410
Date	Sep 20, 2019
Instrument	28410

Lender

Name	GOOGAIN
Address	SUNNYVALE, CA 94086

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	417 THIN EDGE RD, SANTA CRUZ, CA 95065-9740
Document Number	0000031366
Instrument Date	Sep 12, 2017
Transaction Type	Mortgage
Record Updated	Oct 12, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	417 THIN EDGE RD SANTA CRUZ CA 950659740, SANTA CRUZ, CA 95065-9740

Mortgage

Document Number	0000031366
Date	Sep 20, 2017
Instrument	31366

Lender

Name	GOOGAIN
Address	SUNNYVALE, CA 94086

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2047

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 2, 2017
Property Address	417 THIN EDGE RD, SANTA CRUZ, CA 95065-9740
Document Number	0000007516
Instrument Date	Feb 27, 2017
Instrument	2017-0007516
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	417 THIN EDGE RD, SANTA CRUZ, CA 95065-9740

Mortgage

Document Number	0000007517
Date	Mar 2, 2017
Instrument	2017-0007517

Lender

Name	GOOGAIN INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Mortgage

Document Number	0000007518
Date	Mar 2, 2017
Instrument	2017-0007518

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 417 Thin Edge Rd was $10,694 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Elementary School District	Happy Valley 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		$952,957 (+2%) Land $668,846 Building $284,111
2025	$10,694.00 Homeowner's exemption	$934,272 Land $655,731 Building $278,541
2023	$10,278.00 (+1.48%)	$897,993 Land $630,268 Building $267,725	$917,730
2022	$10,128.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 417 Thin Edge Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1989.

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	1 in force
Nearby Flood Claims	4 (1989–2000)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jan 2000 · rainfall accumulation

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

Wildfire risk around 417 Thin Edge Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.1% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

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

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