556 Sunlit Ln, Bonny Doon (Santa Cruz), CA 95060 Property Records

Santa Cruz County property record for 556 Sunlit Ln, Bonny Doon, CA 95060

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,040 sqft · built 1986
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on File
Last Sale	$745,000 (Dec 2022)
Tax Bill	$9,670 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-174-13`

Property Details

APN / Parcel Number

Primary APN	`080-174-13`
Alternative APN	`080-174-13-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,040 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	65,776 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	556 SUNLIT LN
City	SANTA CRUZ
State	CA
Zip	95060-9304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PR
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WEST SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	120200

Owner

556 Sunlit Ln is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	556 SUNLIT LN, SANTA CRUZ, CA 95060-9304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Aug 11, 2025	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Dec 21, 2023	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Dec 30, 2022	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2022 · Amount on File
Deed Sale	Dec 30, 2022 · Amount on File
Prior Sale	Apr 8, 1994 · Amount on File
Deed Document Number	202234284
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	556 SUNLIT LN, BONNY DOON, CA 95060-9304
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	556 SUNLIT LN, BONNY DOON, CA 95060-9304

Mortgage

Document Number	0000016656
Date	Aug 11, 2025
Instrument	2025-0016656

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2040

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	556 SUNLIT LN, BONNY DOON, CA 95060-9304
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	556 SUNLIT LN, BONNY DOON, CA 95060-9304

Mortgage

Document Number	0000024799
Date	Dec 21, 2023
Instrument	2023-0024799

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	EL PASO, TX 79925

Agreement

Type	SBA Mortgage
Amount	Amount on Record

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 30, 2022
Property Address	556 SUNLIT LN, BONNY DOON, CA 95060-9304
Document Number	0000034284
Instrument Date	Dec 28, 2022
Instrument	2022-0034284
Transaction Type	Transfer
Record Updated	Jan 12, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$819.50
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	556 SUNLIT LN, BONNY DOON, CA 95060-9304

Mortgage

Document Number	0000034286
Date	Dec 30, 2022
Instrument	2022-0034286

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 556 Sunlit Ln was $9,670 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Elementary School District	Bonny Doon Union 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		$790,600 (+2%) Land $551,828 Building $238,772
2025	$9,670.00 Homeowner's exemption	$775,098 Land $541,008 Building $234,090
2023	$5,075.00 (+2.05%) Homeowner's exemption	$400,256 Land $212,379 Building $187,877	$656,460
2022	$4,973.00

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

Flood

FEMA maps place 556 Sunlit Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1995.

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
Nearby Flood Claims	7 (1995–2023)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 4 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

Wildfire risk around 556 Sunlit Ln is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

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

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