475 Thin Edge Rd, Santa Cruz, CA 95065 Property Records

Santa Cruz County property record for 475 Thin Edge Rd, Santa Cruz, CA 95065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,736 sqft · built 1991
Lot Size	2.38 acres (103,803 sqft)
Owner	2 Individual Names on File
Last Sale	$1,585,000 (Jul 2019)
Tax Bill	$19,291 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit Jul 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`100-031-40`

Property Details

APN / Parcel Number

Primary APN	`100-031-40`
Alternative APN	`100-031-40-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	3,736 sqft Living Area
Gross Area	4,496 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	103,803 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	760 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	475 THIN EDGE RD
City	SANTA CRUZ
State	CA
Zip	95065-9740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Subdivision	SCOTTS VALLEY RESERVOIR SITE
Legal Lot Number	A,C
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1004
Census Tract	121100

Owner

475 Thin Edge Rd is owned and occupied by two individuals who bought it in July 2019.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	475 THIN EDGE RD, SANTA CRUZ, CA 95065-9740
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
Feb 16, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 2, 2019	Grant Deed, Transfer STEWART TITLE, STEWART TITLE/CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2019 · Amount on File
Deed Sale	Jul 2, 2019 · Amount on File
Prior Sale	Oct 19, 1999 · Amount on File
Deed Document Number	201918120
Prior Transfer Date	Oct 7, 2016
Prior Transfer Doc	0000040062
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	475 THIN EDGE RD, SANTA CRUZ, CA 95065-9740
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005840
Date	Feb 16, 2017
Instrument	2017-0005840

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 2, 2019
Property Address	475 THIN EDGE RD, SANTA CRUZ, CA 95065-9740
Document Number	0000018120
Instrument Date	May 21, 2019
Instrument	18120
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount on Record
Tax	$1,743.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	475 THIN EDGE RD SANTA CRUZ CA 950659740, SANTA CRUZ, CA 95065-9740

Tax Assessment & Valuation

The 2025 property tax bill for 475 Thin Edge Rd was $19,291 with a homeowner's exemption.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Elementary School District	Happy Valley Elementary School District (KG - 06)
Secondary School District	Santa Cruz City High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,768,098 (+2%) Land $734,012 Building $1,034,086
2025	$19,291.00 Homeowner's exemption	$1,733,429 Land $719,619 Building $1,013,810
2023	$18,315.00 (+1.47%) Homeowner's exemption	$1,666,118 Land $691,675 Building $974,443	$1,607,310
2022	$18,049.00

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

Flood

FEMA maps place 475 Thin Edge Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1989.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · 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 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1989–2000)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jan 2000 · rainfall accumulation

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 475 Thin Edge Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks.

Cell Coverage

5G and 4G LTE (outdoors only)

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