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539 E Montecito St, Santa Barbara, CA 93103 Property Records

Santa Barbara County property record for 539 E Montecito St, Santa Barbara, CA 93103 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2.5 ba · 1,426 sqft · built 2011
Lot Size0.014 acres (600 sqft)
Owner2 Individual Names on File
Last Sale$600,500 (May 2025)
Tax Bill$5,953 (2025)
Deeds & MortgagesFeb 2026 Mortgage
Feb 2017 Sale & Mortgage
Flood ZoneZone AH (high risk)
APN031-580-003

Property Details

APN / Parcel Number

Primary APN031-580-003

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area1,426 sqft Total Area

Exterior

Year BuiltBuilt 2011
Effective Year BuiltEffective 2011
Architectural StyleCondo/Apartment
Lot Area600 sqft (0.014 acres)

Location & Zoning

Street Address539 E MONTECITO ST
CitySANTA BARBARA
StateCA
Zip93103-3216
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionEAST BEACH COLLECTION
Legal Lot Number1
JurisdictionSANTA BARBARA CA
Township / Civil DivisionSANTA BARBARA
Census Block Group3
Census Block3000
Census Tract900

Owner

Source: Santa Barbara County records · APN 031-580-003

Assessment roll updated July 8, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address549 E MONTECITO ST, SANTA BARBARA, CA 93103-3216
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Feb 03, 2026Deed of Trust, Mortgage · Conventional Mortgage
FIREFIGHTERS FIRST FCU
Feb 02, 2017Grant Deed, Transfer
STEARNS LNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 15, 2025 · Amount on Record
Deed SaleMay 15, 2025 · Amount on Record
Prior SaleFeb 02, 2017 · Amount on Record
Deed Document Number202514345
Prior Transfer DateJan 23, 2017
Prior Transfer Doc0000005724
Record UpdatedSep 20, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA BARBARA CA
Property Address539 E MONTECITO ST, SANTA BARBARA, CA 93103-3216
Transaction TypeMortgage
Record UpdatedFeb 13, 2026
Title CompanyMONARCH TITLE COMPANY INC, MONARCH TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address539 E MONTECITO ST, SANTA BARBARA, CA 93103-3216

Mortgage

Document Number0000003282
DateFeb 03, 2026
Instrument2026-0003282
Lender
NameFIREFIGHTERS FIRST FCU
TypeCredit Union
AddressPASADENA, CA 91105
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2056
Interest
Rate TypeAdjustable Rate
Rate5.75%
Type Change DateFeb 01, 2033
Change FrequencyAnnually
Min Rate At Change3.75%
Max Rate At Change7.75%
Index1-Year T-Bill
Max Rate10.7%

February 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA BARBARA CA
Recording DateFeb 02, 2017
Property Address539 E MONTECITO ST, SANTA BARBARA, CA 93103-3216
Document Number0000005724
Instrument DateJan 20, 2017
Instrument5724
Transaction TypeTransfer
Record UpdatedFeb 09, 2017
Title CompanyEQUITY TITLE COMPANY, EQUITY TITLE CO.

Transaction

AmountAmount Recorded
Tax$244.20
Amount AccuracyFull Value

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address539 E MONTECITO ST SANTA BARBARA CA 931033216, SANTA BARBARA, CA 93103-3216

Mortgage

Document Number5725
DateFeb 02, 2017
Instrument5725
Lender
NameSTEARNS LNDG
AddressSANTA ANA, CA 92707-8788
Agreement
AmountAmount Recorded
Term360 Months
DueFeb 01, 2047

Tax Assessment & Valuation

Source: Santa Barbara County records · Assessment roll updated July 8, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Barbara County
MunicipalitySanta Barbara City
Unified School DistrictSanta Barbara Unified School District (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2026$612,102 (+9.23%) Land $306,102 Building $306,000
2025$5,953.00 (+3.62%)$560,373 (+4.04%) Land $264,607 Building $295,766
2023$5,745.00 (+1.75%)$538,615 Land $254,333 Building $284,282
2022$5,646.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Barbara County (06083C), updated June 9, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060830009003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AH
shallow ponding 1–3 ft
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 17 individual NFIP policies nearby
Nearby Flood Policies86 units insured
69 under condo master policies
Nearby Flood Claims5 (1995–2024)
Most Recent ClaimFeb 2024, rainfall accumulation, Severe Winter Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims By Storm
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 233 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Frontier, Cox Communications, Verizon, California Internet, Radiate Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

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