46 Ridge Way, Mount Hermon, CA 95041 Property Records

Santa Cruz County property record for 46 Ridge Way, Mount Hermon, CA 95041

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 866 sqft · built 1936
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$747,000 (Jun 2021)
Tax Bill	$9,747 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`066-192-20`

Property Details

APN / Parcel Number

Primary APN	`066-192-20`
Alternative APN	`066-192-20-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	866 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Metal
Lot Area	9,148 sqft (0.21 acres)
Terrain	Steep
Deck Area	420 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	46 RIDGE WAY
City	MOUNT HERMON
State	CA
Zip	95041-3018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	BLK 13 LOT 26
Legal Subdivision	ZAYANTE RHO 02
Legal Block	13
Legal Lot Number	26
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1012
Census Tract	120700

Owner

Source: Santa Cruz County records · APN 066-192-20

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	2 Individual Names on File
Mailing Address	46 RIDGE WAY, MOUNT HERMON, CA 95041-3018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 17, 2021 · Amount on Record
Deed Sale	Jun 17, 2021 · Amount on Record
Prior Sale	Jun 17, 2021 · Amount on Record
Deed Document Number	202133366
Prior Transfer Date	Sep 25, 2014
Prior Transfer Doc	0000032923
Record Updated	Sep 20, 2026

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 17, 2021
Property Address	46 RIDGE WAY, MOUNT HERMON, CA 95041-3018
Document Number	0000033366
Map Reference	MB 16 PG 2
Instrument Date	May 26, 2021
Instrument	2021-0033366
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$821.70
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	46 RIDGE WAY, MOUNT HERMON, CA 95041-3018

Mortgage

Document Number	0000033367
Date	Jun 17, 2021
Instrument	2021-0033367

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

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
Unified School District	San Lorenzo Valley Unified School District (KG - 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		$824,748 (+2%) Land $614,973 Building $209,775
2025	$9,747.00 (+4.32%) Homeowner's exemption	$808,577 (+4.04%) Land $602,915 Building $205,662
2024	$9,343.00 (-0.06%)
2023	$9,349.00 (+2.42%) Homeowner's exemption	$777,179 Land $579,503 Building $197,676	$717,030
2022	$9,128.00

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 57 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	26 (1995–2023)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 16 claims Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 7 claims Severe Winter Storms And Flooding, Feb 1998 · 2 claims

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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	2,000 / 250

May also be available: California Internet, Cruzio Internet, Surfnet Communications.

Based on FCC filings for 249 locations within half a mile of this property.

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	MT. HERMON ASSOCIATION, INC. private · serves 1,176 people
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 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.