595 Risso Ct, Santa Cruz, CA 95062 Property Records

Santa Cruz County property record for 595 Risso Ct, Santa Cruz, CA 95062

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,376 sqft · built 1980
Lot Size	0.136 acres (5,924 sqft)
Owner	Individual Name on File
Last Sale	$1,105,000 (Dec 2020)
Tax Bill	$15,245 (2025)
Deeds & Mortgages	Aug 2022 Transfer Feb 2020 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`028-062-05`

Property Details

APN / Parcel Number

Primary APN	`028-062-05`
Alternative APN	`028-062-05-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
Gross Area	1,775 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,924 sqft (0.136 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	595 RISSO CT
City	SANTA CRUZ
State	CA
Zip	95062-4938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Description	TR 798
Legal Subdivision	TRACT NO 798
Legal Tract	798
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1009
Census Tract	121502

Owner

595 Risso Ct is owned and occupied by an individual who acquired it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	595 RISSO CT, SANTA CRUZ, CA 95062-4938
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
Aug 8, 2022	Intrafamily Transfer, Transfer
Feb 21, 2020	Deed of Trust, Mortgage · Reverse Mortgage LIBERTY HOME EQUITY SOLUTIONS INC
Dec 23, 2020	Grant Deed, Transfer OLD REPUBLIC TITLE
Aug 13, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 11, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2020 · Amount on File
Deed Sale	Dec 23, 2020 · Amount on File
Deed Document Number	202056322
Last Transfer Date	Jul 29, 2022
Transfer Doc	0000022649
Record Updated	Sep 20, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 8, 2022
Property Address	595 RISSO CT, SANTA CRUZ, CA 95062-4938
Document Number	0000022649
Map Reference	MB 65 PG 62
Instrument Date	Jul 29, 2022
Instrument	2022-0022649
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	595 RISSO CT, SANTA CRUZ, CA 95062-4938

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	595 RISSO CT, SANTA CRUZ, CA 95062-4938
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNC TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006154
Date	Feb 21, 2020
Instrument	2020-0006154

Lender

Name	LIBERTY HOME EQUITY SOLUTIONS INC
Type	Reverse Mortgage Lender
Address	FLINT, MI 48501

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.58%
Type Change Date	Mar 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 23, 2020
Property Address	595 RISSO CT, SANTA CRUZ, CA 95062-4938
Document Number	0000056322
Instrument Date	Dec 22, 2020
Instrument	56322
Transaction Type	Transfer
Record Updated	Jan 18, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$1,216.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 RISSO CT SANTA CRUZ CA 950624938, SANTA CRUZ, CA 95062-4938

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 13, 2020
Property Address	595 RISSO CT, SANTA CRUZ, CA 95062-4938
Document Number	0000030749
Instrument Date	Aug 12, 2020
Instrument	30749
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	595 RISSO CT SANTA CRUZ CA 950624938, SANTA CRUZ, CA 95062-4938

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	595 RISSO CT, SANTA CRUZ, CA 95062-4938
Document Number	0000006155
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 RISSO CT SANTA CRUZ CA 950624938, SANTA CRUZ, CA 95062-4938

Mortgage

Document Number	0000006155
Date	Feb 21, 2020
Instrument	6155

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	996 Months

Interest

Rate Type	Adjustable Rate
Rate	3.58%

Tax Assessment & Valuation

The 2025 property tax bill for 595 Risso Ct was $15,245.

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		$1,220,009 (+2%) Land $888,785 Building $331,224
2025	$15,245.00	$1,196,088 Land $871,358 Building $324,730
2023	$13,983.00 (+2.34%)	$1,149,642 Land $837,522 Building $312,120	$1,151,910
2022	$13,663.00

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

Flood

FEMA maps place 595 Risso Ct 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	8 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 595 Risso Ct 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 722 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Cruzio Fixed Wireless	1,000 / 1,000

May also be available: AT&T, Etheric Networks, GeoLinks, T-Mobile.

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