432 Spring St, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 432 Spring St, Santa Cruz, CA 95060

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,085 sqft · built 1948
Lot Size	0.29 acres (12,632 sqft)
Owner	Company Name on File
Tax Bill	$3,102 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-061-07`

Property Details

APN / Parcel Number

Primary APN	`001-061-07`
Alternative APN	`001-061-07-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,085 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	342 sqft
Carport	Carport
Carport Area	342 sqft
Parking Spaces	1 Parking Space
Deck Area	290 sqft
Patio Area	290 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	432 SPRING ST
City	SANTA CRUZ
State	CA
Zip	95060-2026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	TRES OJOS DE AGUA RHO
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1001
Census Tract	100300

Owner

Source: Santa Cruz County records · APN 001-061-07

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	432 SPRING ST, SANTA CRUZ, CA 95060-2026
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jan 15, 2010
Transfer Doc	0000002494
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	432 SPRING ST, SANTA CRUZ, CA 95060-2026
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057170
Date	Dec 30, 2020
Instrument	2020-0057170

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 01, 2036

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Santa Cruz City
Elementary School District	Santa Cruz City Elementary School District (KG - 05)
Secondary School District	Santa Cruz City High School District (6-12) (06 - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$266,431 (+2%) Land $62,235 Building $204,196
2025	$3,102.00 (+11.14%) Homeowner's exemption	$261,206 (+4.04%) Land $61,014 Building $200,192
2023	$2,791.00 (+1.2%) Homeowner's exemption	$251,063 Land $58,645 Building $192,418	$1,705,950
2022	$2,758.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	41 (1982–2023)
Claims Outside the SFHA	11 of 41
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 5 claims Severe Storms, Flooding, Mudslides, And Landslides, Dec 2005 · 6 claims Severe Winter Storms And Flooding, Mar 1998 · 7 claims

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: AT&T, California Internet, Cruzio Internet, Verizon.

Based on FCC filings for 323 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SANTA CRUZ WATER DEPARTMENT serves 94,626 people
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.