432 S Z St, Lompoc, CA 93436 Property Records

Santa Barbara County property record for 432 S Z St, Lompoc, CA 93436

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,351 sqft · built 2005
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Nov 2011)
Tax Bill	$4,204 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`093-510-035`

Property Details

APN / Parcel Number

Primary APN	`093-510-035`
Alternative APN	`09351035`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,351 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	7,405 sqft (0.17 acres)

Location & Zoning

Street Address	432 S Z ST
City	LOMPOC
State	CA
Zip	93436-6342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	LOM-511
Legal Lot Number	35
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	LOMPOC
Census Block Group	3
Census Block	3009
Census Tract	3102

Owner

432 S Z St is owned and occupied by two individuals who bought it in November 2011.

Source: Santa Barbara County records, as of August 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	432 S Z ST, LOMPOC, CA 93436-6342
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
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Jan 17, 2023	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Aug 10, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Oct 20, 2020	Deed of Trust, Mortgage · VA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2011 · Amount on File
Deed Sale	Nov 7, 2011 · Amount on File
Prior Sale	Jun 27, 2005 · Amount on File
Deed Document Number	201164234
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Recording Date	Jul 29, 2026
Property Address	432 S Z ST, LOMPOC, CA 93436-6342
Document Number	0000025840
Instrument Date	Jul 23, 2026
Instrument	202625840
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	432 S Z ST, LOMPOC, CA 93436-6342

Mortgage

Document Number	0000025840,
Date	Jul 29, 2026
Instrument	202625840

Lender

Name	SPRING EQ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	432 S Z ST, LOMPOC, CA 93436-6342
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 S Z ST, LOMPOC, CA 93436-6342

Mortgage

Document Number	0000001112
Date	Jan 17, 2023
Instrument	2023-0001112

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	432 S Z ST, LOMPOC, CA 93436-6342
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 S Z ST, LOMPOC, CA 93436-6342

Mortgage

Document Number	0000057577
Date	Aug 10, 2021
Instrument	2021-0057577

Lender

Name	ROCKET MORTGAGE LLC
Type	Non-Lending Institution
Address	DETROIT, MI 48226

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	432 S Z ST, LOMPOC, CA 93436-6342
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 S Z ST, LOMPOC, CA 93436-6342

Mortgage

Document Number	0000058465
Date	Oct 20, 2020
Instrument	2020-0058465

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 432 S Z St was $4,204.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$371,528 (+2%) Land $108,894 Building $262,634
2025	$4,204.00	$364,244 Land $106,759 Building $257,485
2023	$3,959.00 (+1.31%)	$350,102 Land $102,614 Building $247,488
2022	$3,908.00

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

Flood

FEMA maps place 432 S Z St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 432 S Z St is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% of California
Wildfire Likelihood	0.2% 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	LOMPOC-CITY WATER UTILITY DIV serves 40,538 people · EPA ID CA4210006
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2023–2025) 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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