515 Sunlit Ln, Bonny Doon (Santa Cruz), CA 95060 Property Records

Santa Cruz County property record for 515 Sunlit Ln, Bonny Doon, CA 95060

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 3 ba · 5,792 sqft · built 1992
Lot Size	5.17 acres (225,336 sqft)
Owner	Individual Name on File
Last Sale	$1,180,000 (Oct 2016)
Tax Bill	$16,467 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Oct 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`080-174-28`

Property Details

APN / Parcel Number

Primary APN	`080-174-28`
Alternative APN	`080-174-28-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	5,792 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	225,336 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces
Deck Area	668 sqft
Patio Area	668 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	515 SUNLIT LN
City	SANTA CRUZ
State	CA
Zip	95060-9492
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WEST SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	120200

Owner

515 Sunlit Ln, recreational vacant land, is owned and occupied by an individual who acquired it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	515 SUNLIT LN, SANTA CRUZ, CA 95060-9492
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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 7, 2023	Deed of Trust, Mortgage · SBA Mortgage CITIZENS BANK
Oct 28, 2019	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Feb 6, 2020	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Jan 31, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2016 · Amount on File
Deed Sale	Oct 14, 2016 · Amount on File
Deed Document Number	201640008
Last Transfer Date	Jan 28, 2020
Transfer Doc	0000003859
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	515 SUNLIT LN, BONNY DOON, CA 95060-9492
Transaction Type	Mortgage
Record Updated	Feb 22, 2023
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 SUNLIT LN, SANTA CRUZ, CA 95060-9492

Mortgage

Document Number	0000002081
Date	Feb 7, 2023
Instrument	2023-0002081

Lender

Name	CITIZENS BANK
Type	Bank
Address	ELIZABETHTON, TN 37643

Agreement

Type	SBA Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	515 SUNLIT LN, BONNY DOON, CA 95060-9492
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033274
Date	Oct 28, 2019
Instrument	2019-0033274

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	515 SUNLIT LN, BONNY DOON, CA 95060-9492
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004466
Date	Feb 6, 2020
Instrument	2020-0004466

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 31, 2020
Property Address	515 SUNLIT LN, BONNY DOON, CA 95060-9492
Document Number	0000003859
Instrument Date	Jan 28, 2020
Instrument	3859
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	515 SUNLIT LN BONNY DOON CA 950609492, BONNY DOON, CA 95060-9492

Tax Assessment & Valuation

The 2025 property tax bill for 515 Sunlit Ln was $16,467.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Elementary School District	Bonny Doon Union 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		$1,396,882 (+2%) Land $793,145 Building $603,737
2025	$16,467.00	$1,369,492 Land $777,593 Building $591,899
2023	$14,962.00 (+1.64%)	$1,316,313 Land $747,398 Building $568,915	$1,351,260
2022	$14,721.00

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

Flood

FEMA maps place 515 Sunlit Ln in Zone X, an area of minimal flood risk, though there have been 7 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
Nearby Flood Claims	7 (1995–2023)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 4 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 515 Sunlit Ln is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.07% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Sunlit Ln

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