5 Summit Ave, Felton, CA 95018 Property Records

Santa Cruz County property record for 5 Summit Ave, Felton, CA 95018

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,488 sqft · built 1975
Lot Size	0.154 acres (6,708 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Jul 2011)
Tax Bill	$6,392 (2025)
Deeds & Mortgages	May 2026 Line of Credit May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-172-09`

Property Details

APN / Parcel Number

Primary APN	`066-172-09`
Alternative APN	`066-172-09-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,488 sqft Living Area
Gross Area	1,728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,708 sqft (0.154 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	377 sqft
Patio Area	377 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	5 SUMMIT AVE
City	FELTON
State	CA
Zip	95018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	MOUNT HERMON PARK 07
Legal Lot Number	24
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1010
Census Tract	120700

Owner

5 Summit Ave is owned by an individual who acquired it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 759, MOUNT HERMON, CA 95041-0759
Owner Type	Individual
Vesting	Unmarried Woman

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
May 11, 2026	Grant Deed, Transfer · Line of Credit BAY FEDERAL CREDIT UNION
May 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 8, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2011 · Amount on File
Deed Sale	Jul 21, 2011 · Amount on File
Prior Sale	Feb 29, 1996 · Amount on File
Deed Document Number	201129015
Last Transfer Date	Oct 2, 2020
Transfer Doc	0000040781
Record Updated	Sep 20, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 11, 2026
Property Address	5 SUMMIT AVE, FELTON, CA 95018
Document Number	0000010643
Instrument Date	May 1, 2026
Instrument	202610643
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010644,
Date	May 11, 2026
Instrument	202610644

Lender

Name	BAY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 15, 2051

Interest

Rate	6.38%
Max Rate	-1%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	5 SUMMIT AVE, FELTON, CA 95018
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015102
Date	May 8, 2017
Instrument	2017-0015102

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 8, 2020
Property Address	5 SUMMIT AVE, FELTON, CA 95018
Document Number	0000040781
Instrument Date	Oct 2, 2020
Instrument	2020-0040781
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 759, MOUNT HERMON, CA 95041-0759

Mortgage

Document Number	0000040782
Date	Oct 8, 2020
Instrument	2020-0040782

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5 Summit Ave was $6,392.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$518,877 (+2%) Land $311,326 Building $207,551
2025	$6,392.00	$508,703 Land $305,222 Building $203,481
2023	$6,096.00 (+2.42%)	$488,950 Land $293,370 Building $195,580	$704,070
2022	$5,952.00

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

Flood

FEMA maps place 5 Summit Ave in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1995.

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
Flood Insurance Cost	Premium on File 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

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 5 Summit Ave is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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	MT. HERMON ASSOCIATION, INC. private · serves 1,176 people · EPA ID CA4410008
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, 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 249 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Cruzio, GeoLinks, Surfnet Communications.

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