546 37th Ave, Santa Cruz, CA 95062 Property Records

Santa Cruz County property record for 546 37th Ave, Santa Cruz, CA 95062

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 820 sqft · built 1998
Lot Size	0.039 acres (1,699 sqft)
Owner	Individual Name on File
Last Sale	$1,590,000 (Mar 2023)
Tax Bill	$3,633 (2025)
Deeds & Mortgages	Mar 2023 Sale Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`032-122-08`

Property Details

APN / Parcel Number

Primary APN	`032-122-08`
Alternative APN	`032-122-08-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	820 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2015
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	1,699 sqft (0.039 acres)

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	546 37TH AVE
City	SANTA CRUZ
State	CA
Zip	95062-5552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4-PP
Legal Description	LOT 27
Legal Subdivision	MOANA COURT
Legal Lot Number	27
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1013
Census Tract	121601

Owner

546 37th Ave is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	546 37TH AVE, SANTA CRUZ, CA 95062-5552
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 14, 2023	Grant Deed, Transfer OLD REPUBLIC TITLE COMPANY
Oct 15, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Nov 17, 2017	Grant Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2023 · Amount on File
Deed Sale	Mar 14, 2023 · Amount on File
Prior Sale	Oct 15, 2020 · Amount on File
Deed Document Number	20234311
Prior Transfer Date	Oct 23, 2014
Prior Transfer Doc	0000036551
Record Updated	Sep 20, 2026

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 14, 2023
Property Address	546 37TH AVE, SANTA CRUZ, CA 95062-5552
Document Number	0000004311
Instrument Date	Mar 4, 2023
Instrument	2023-0004311
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,749.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	546 37TH AVE, SANTA CRUZ, CA 95062-5552

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 15, 2020
Property Address	546 37TH AVE, SANTA CRUZ, CA 95062-5552
Document Number	0000042005
Instrument Date	Oct 7, 2020
Instrument	2020-0042005
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	15680 LINDA AVE, LOS GATOS, CA 95032-3714

Mortgage

Document Number	0000042006
Date	Oct 15, 2020
Instrument	2020-0042006

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 17, 2017
Property Address	546 37TH AVE, SANTA CRUZ, CA 95062-5552
Document Number	0000038652
Instrument Date	Nov 1, 2017
Instrument	38652
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,127.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	49 SEWARD ST #1 SAN FRANCISCO CA 941142336, 1, SAN FRANCISCO, CA 94114-2336

Mortgage

Document Number	38653
Date	Nov 17, 2017
Instrument	38653

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 16, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

The 2025 property tax bill for 546 37th Ave was $3,633.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$164,788 (+2%) Land $123,591 Building $41,197
2025	$3,633.00	$161,558 Land $121,168 Building $40,390
2023	$15,306.00 (+2.31%)	$1,271,889 Land $1,017,511 Building $254,378	$1,394,010
2022	$14,960.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 546 37th 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.

Wildfire

The area around 546 37th 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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