540 Olaughlin Rd, Santa Cruz, CA 95065 Property Records

Santa Cruz County property record for 540 Olaughlin Rd, Santa Cruz, CA 95065

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 2.5 ba · 1,951 sqft · built 1980
Lot Size	3.63 acres (158,253 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,260,000 (Dec 2025)
Tax Bill	$16,704 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`101-031-23`

Property Details

APN / Parcel Number

Primary APN	`101-031-23`
Alternative APN	`101-031-23-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,951 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	158,253 sqft
Terrain	Steep
View / Lot	Mountain
Deck Area	1,215 sqft
Patio Area	1,215 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	540 OLAUGHLIN RD
City	SANTA CRUZ
State	CA
Zip	95065-9693
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	A
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2020
Census Tract	121200

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	540 OLAUGHLIN RD, SANTA CRUZ, CA 95065-9693
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOAN MONKEY INC
Dec 10, 2025	Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 29, 2022	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage ADVANTAGEFIRST LNDG INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on Record
Deed Sale	Dec 10, 2025 · Amount on Record
Prior Sale	Jul 29, 2022 · Amount on Record
Deed Document Number	202526635
Prior Transfer Date	Apr 16, 1996
Prior Transfer Doc	0000023799
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	540 OLAUGHLIN RD, SANTA CRUZ, CA 95065-9693
Transaction Type	Mortgage
Record Updated	Dec 25, 2025
Title Company	ASPIRE TITLE COMPANY, SPRUCE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 OLAUGHLIN RD DRD, SANTA CRUZ, CA 95065-9693

Mortgage

Document Number	0000026604
Date	May 10, 2021
Instrument	2021-0026604

Lender

Name	LOAN MONKEY INC
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2051

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 10, 2025
Property Address	540 OLAUGHLIN RD, SANTA CRUZ, CA 95065-9693
Document Number	0000026635
Instrument Date	Dec 5, 2025
Instrument	2025-0026635
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,386.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	540 OLAUGHLIN RD, SANTA CRUZ, CA 95065-9693

Mortgage

Document Number	0000026636
Date	Dec 10, 2025
Instrument	2025-0026636

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 29, 2022
Property Address	540 OLAUGHLIN RD, SANTA CRUZ, CA 95065-9693
Document Number	0000021940
Instrument Date	Jul 22, 2022
Instrument	2022-0021940
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,578.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	540 OLAUGHLIN RD, SANTA CRUZ, CA 95065-9693

Mortgage

Document Number	0000021941
Date	Jul 29, 2022
Instrument	2022-0021941

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	540 OLAUGHLIN RD, SANTA CRUZ, CA 95065-9693
Document Number	0000032250
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMERICAN TITLE CO RESID'

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 OLAUGHLIN RD SANTA CRUZ CA 950659693, SANTA CRUZ, CA 95065-9693

Mortgage

Document Number	0000032250
Date	Oct 18, 2019
Instrument	32250

Lender

Name	ADVANTAGEFIRST LNDG INC
Address	MISSION VIEJO, CA 92691

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Elementary School District	Happy Valley 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		$1,260,000 (-15.6%) Land $900,000 Building $360,000
2025	$16,704.00 (+5.23%) Homeowner's exemption	$1,492,974 (+4.04%) Land $1,102,824 Building $390,150
2023	$15,874.00 (+30.81%) Homeowner's exemption	$1,435,000 Land $1,060,000 Building $375,000	$1,259,910
2022	$12,135.00

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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	3 (1982–2022)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 67% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
Cruzio Fixed Wireless	100 / 100
Surfnet Communications Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3

Cell Coverage

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

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