520 Nelson Rd, Scotts Valley, CA 95066 Property Records

Santa Cruz County property record for 520 Nelson Rd, Scotts Valley, CA 95066

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1982
Lot Size	0.173 acres (7,536 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Jan 2017)
Tax Bill	$9,197 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`070-221-06`

Property Details

APN / Parcel Number

Primary APN	`070-221-06`
Alternative APN	`070-221-06-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,400 sqft Living Area
Gross Area	2,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,536 sqft (0.173 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	520 NELSON RD
City	SCOTTS VALLEY
State	CA
Zip	95066-3017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	FERN BROOK WOODS 01
Legal Block	A
Legal Lot Number	14
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1016
Census Tract	120901

Owner

Source: Santa Cruz County records, as of August 19, 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 Record
Mailing Address	520 NELSON RD, SCOTTS VALLEY, CA 95066-3017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK
Apr 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK
Jan 6, 2017	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2017 · Amount on Record
Deed Sale	Jan 6, 2017 · Amount on Record
Prior Sale	Apr 7, 2000 · Amount on Record
Deed Document Number	2017630
Prior Transfer Date	May 29, 2001
Prior Transfer Doc	0000033526
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	520 NELSON RD, SCOTTS VALLEY, CA 95066-3017
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011312
Date	Apr 2, 2020
Instrument	2020-0011312

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jul 1, 2049

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	520 NELSON RD, SCOTTS VALLEY, CA 95066-3017
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011025
Date	Apr 29, 2019
Instrument	2019-0011025

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	520 NELSON RD, SCOTTS VALLEY, CA 95066-3017
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 NELSON RD, SANTA CRUZ, CA 95066-3017

Mortgage

Document Number	0000043537
Date	Aug 20, 2021
Instrument	2021-0043537

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Sep 1, 2049

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 6, 2017
Property Address	520 NELSON RD, SCOTTS VALLEY, CA 95066-3017
Document Number	0000000630
Map Reference	MB25 PG8
Instrument Date	Dec 30, 2016
Instrument	2017-0000630
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	520 NELSON RD, SCOTTS VALLEY, CA 95066-3017

Mortgage

Document Number	0000000631
Date	Jan 6, 2017
Instrument	2017-0000631

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Scotts Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$774,203 (+2%) Land $501,930 Building $272,273
2025	$9,197.00 (+8.79%)	$759,023 (+4.04%) Land $492,088 Building $266,935
2023	$8,454.00 (+1.65%)	$729,549 Land $472,980 Building $256,569	$1,106,640
2022	$8,317.00

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

Flood

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	9 in force
Nearby Flood Claims	4 (2017–2023)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 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

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

Wildfire Risk	Moderate above 56% of the US · lower than 66% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

5G (outdoors only) and 4G LTE

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