418 Ruth Ave, Santa Barbara, CA 93101 Property Records

Santa Barbara County property record for 418 Ruth Ave, Santa Barbara, CA 93101

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 820 sqft · built 1920
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on Record
Last Sale	$700,000 (Jan 2005)
Tax Bill	$10,331 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`037-071-012`

Property Details

APN / Parcel Number

Primary APN	`037-071-012`
Alternative APN	`03707112`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	820 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	418 RUTH AVE
City	SANTA BARBARA
State	CA
Zip	93101-3328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LOT 14 BLK 197
Legal Subdivision	SANTA BARBARA
Legal Block	197
Legal Lot Number	14
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA BARBARA
Census Block Group	2
Census Block	2004
Census Tract	1001

Owner

Source: Santa Barbara County records, as of July 8, 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	228 ORTEGA RIDGE RD, SANTA BARBARA, CA 93108-2218
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage MONTECITO BANK & TRUST
May 9, 2018	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2005 · Amount on Record
Deed Sale	Jan 25, 2005 · Amount on Record
Deed Document Number	20056662
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	418 RUTH AVE, SANTA BARBARA, CA 93101-3328
Transaction Type	Mortgage
Record Updated	Dec 27, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2083, SUMMERLAND, CA 93067

Mortgage

Document Number	0000085146
Date	Dec 15, 2021
Instrument	2021-0085146

Lender

Name	MONTECITO BANK & TRUST
Type	Bank
Address	CAMARILLO, CA 93010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	418 RUTH AVE, SANTA BARBARA, CA 93101-3328
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018794
Date	May 9, 2018
Instrument	2018-0018794

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	2.65%
Index	1-Year LIBOR
Max Rate	9.95%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$995,238 (+2%) Land $781,979 Building $213,259
2025	$10,331.00 (+3.62%)	$975,725 (+4.04%) Land $766,647 Building $209,078
2023	$9,970.00 (+1.75%)	$937,838 Land $736,878 Building $200,960
2022	$9,799.00

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 39 individual policies
Nearby Flood Policies	41 units insured incl. 2 condo units
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, 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	Not rated no burnable land within ember reach

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	CITY OF SANTA BARBARA WATER DEPARTMENT serves 93,334 people · EPA ID CA4210010
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 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 521 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, GeoLinks, Verizon.

Nearby Properties on Ruth Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures