Santa Cruz County property record for 540 35th Ave, Santa Cruz, CA 95062
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,219 sqft · built 1959 |
| Lot Size | 0.101 acres (4,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $650,000 (Mar 2009) |
| Tax Bill | $13,507 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032-113-24 |
| Primary APN | 032-113-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 2,219 sqft Living Area |
| Gross Area | 2,579 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 4,400 sqft (0.101 acres) |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 540 35TH AVE |
|---|---|
| City | SANTA CRUZ |
| State | CA |
| Zip | 95062-5111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-4-PP |
| Legal Description | BLK D LOT 22 |
| Legal Subdivision | BELTZ HAVEN 02 |
| Legal Block | D |
| Legal Lot Number | 22 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 121601 |
540 35th Ave is owned and occupied by two individuals who bought it in March 2009.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 540 35TH AVE, SANTA CRUZ, CA 95062-5111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 5, 2025 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| May 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MARK 1 MORTGAGE |
| Jan 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2009 · Amount on File |
| Deed Sale | Mar 6, 2009 · Amount on File |
| Prior Sale | May 30, 2000 · Amount on File |
| Deed Document Number | 20099324 |
| Prior Transfer Date | Sep 20, 2006 |
| Prior Transfer Doc | 0000056633 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 540 35TH AVE, SANTA CRUZ, CA 95062-5111 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2025 |
| Title Company | TITLE CONNECTION, TITLE CONNECT INC |
| Name | Verified Name |
|---|---|
| Address | 540 35TH AVE, SANTA CRUZ, CA 95062-5111 |
| Document Number | 0000018751 |
|---|---|
| Date | Sep 5, 2025 |
| Instrument | 2025-0018751 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 540 35TH AVE, SANTA CRUZ, CA 95062-5111 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | USA NATIONAL TITLE COMPANY, USA NATIONAL TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 540 35TH AVE, SANTA CRUZ, CA 95062-5111 |
| Document Number | 0000026000 |
|---|---|
| Date | May 6, 2021 |
| Instrument | 2021-0026000 |
| Name | MARK 1 MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92866 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 540 35TH AVE, SANTA CRUZ, CA 95062-5111 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000001732 |
|---|---|
| Date | Jan 19, 2018 |
| Instrument | 2018-0001732 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
The 2025 property tax bill for 540 35th Ave was $13,507 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Secondary School District | Santa Cruz City High School District (9-12) (09 - 12) |
| Elementary School District | Live Oak Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,069,195 (+2%) Land $604,221 Building $464,974 | ||
| 2025 | $13,507.00 Homeowner's exemption | $1,048,230 Land $592,373 Building $455,857 | |
| 2023 | $12,369.00 (+2.39%) Homeowner's exemption | $1,007,526 Land $569,371 Building $438,155 | $1,140,570 |
| 2022 | $12,080.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 35th Ave in Zone X, an area of minimal flood risk.
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 12 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 12 in force |
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.
The area around 540 35th Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SANTA CRUZ WATER DEPARTMENT serves 94,626 people · EPA ID CA4410010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 762 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Cruzio, GeoLinks, Spectrum, T-Mobile.
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