4650 Pennell Rd, Santa Barbara, CA 93111 Property Records

Santa Barbara County property record for 4650 Pennell Rd, Santa Barbara, CA 93111

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,501 sqft · built 1999
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on Record
Tax Bill	$18,168 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`059-030-021`

Property Details

APN / Parcel Number

Primary APN	`059-030-021`
Alternative APN	`05903021`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	5,501 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	43,560 sqft

Location & Zoning

Street Address	4650 PENNELL RD
City	SANTA BARBARA
State	CA
Zip	93111-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1E1
Legal Description	SUB 7 LOT 10 SEC 2 TWN 4 RNG 28
Legal Lot Number	10
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA BARBARA
Census Block Group	1
Census Block	1008
Census Tract	103

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	4650 PENNELL RD, SANTA BARBARA, CA 93111-1304
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Sep 11, 2018	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 31, 2006
Transfer Doc	0000033397
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	4650 PENNELL RD, SANTA BARBARA, CA 93111-1304
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4650 PENNELL RD, SANTA BARBARA, CA 93111-1304

Mortgage

Document Number	0000033909
Date	Apr 30, 2021
Instrument	2021-0033909

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	8.75%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	4650 PENNELL RD, SANTA BARBARA, CA 93111-1304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038917
Date	Sep 11, 2018
Instrument	2018-0038917

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2058

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Max Rate	10.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Secondary School District	Santa Barbara Unified School District (7-12) (07 - 12)
Elementary School District	Goleta Union Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,767,215 (+2%) Land $536,870 Building $1,230,345
2025	$18,168.00 (+3.57%) Homeowner's exemption Additional exemption filed	$1,732,565 (+4.04%) Land $526,344 Building $1,206,221
2023	$17,541.00 (+1.75%) Homeowner's exemption Additional exemption filed	$1,665,289 Land $505,906 Building $1,159,383
2022	$17,239.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1998–2017)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, 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	High above 74% of the US · above 49% of California
Wildfire Likelihood	0.3% 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	GOLETA WATER DISTRICT serves 85,535 people · EPA ID CA4210004
Water Source	Surface water
Last State Inspection	Dec 2023
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, 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Frontier, T-Mobile.

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