Santa Cruz County property record for 620 Spring St, Santa Cruz, CA 95060
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,396 sqft · built 2000 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $900,000 (Oct 2020) |
| Tax Bill | $20,534 (2025) |
| Deeds & Mortgages | Feb 2021 Transfer Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-161-54 |
| Primary APN | 001-161-54 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 2,396 sqft Living Area |
| Gross Area | 2,842 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 446 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 256 sqft |
| Patio Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 620 SPRING ST |
|---|---|
| City | SANTA CRUZ |
| State | CA |
| Zip | 95060-2030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | LANDS/SPRING ST ASSOCS |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 100300 |
620 Spring St is owned and occupied by an individual who bought it in October 2020.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 620 SPRING ST, SANTA CRUZ, CA 95060-2030 |
| 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.
| Date | Document |
|---|---|
| Feb 2, 2021 | Intrafamily Transfer, Transfer |
| Oct 27, 2020 | Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 27, 2020 · Amount on File |
| Deed Sale | Oct 27, 2020 · Amount on File |
| Prior Sale | Feb 29, 2000 · Amount on File |
| Deed Document Number | 202044286 |
| Prior Transfer Date | Oct 22, 2020 |
| Prior Transfer Doc | 0000044286 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Feb 2, 2021 |
| Property Address | 620 SPRING ST, SANTA CRUZ, CA 95060-2030 |
| Document Number | 0000005928 |
| Map Reference | VOL 56 PG 10 |
| Instrument Date | Jan 28, 2021 |
| Instrument | 2021-0005928 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 620 SPRING ST, SANTA CRUZ, CA 95060-2030 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 27, 2020 |
| Property Address | 620 SPRING ST, SANTA CRUZ, CA 95060-2030 |
| Document Number | 0000044286 |
| Map Reference | VOL 56 PG 10 |
| Instrument Date | Oct 22, 2020 |
| Instrument | 2020-0044286 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1612 MISSION ST, SANTA CRUZ, CA 95060-4743 |
| Document Number | 0000044287 |
|---|---|
| Date | Oct 27, 2020 |
| Instrument | 2020-0044287 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 620 Spring St was $20,534 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Santa Cruz City |
| Elementary School District | Santa Cruz City Elementary School District (KG - 05) |
| Secondary School District | Santa Cruz City High School District (6-12) (06 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,797,582 (+2%) Land $1,197,238 Building $600,344 | ||
| 2025 | $20,534.00 Homeowner's exemption | $1,762,334 Land $1,173,762 Building $588,572 | |
| 2023 | $18,359.00 (+1.17%) | $1,664,640 Land $1,118,430 Building $546,210 | $1,816,740 |
| 2022 | $18,146.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 620 Spring St in Zone X, an area of minimal flood risk, though there have been 41 flood claims nearby since 1982.
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 14 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 41 (1982–2023) |
| Claims Outside the SFHA | 11 of 41 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 620 Spring St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.03% 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.
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 323 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: AT&T, Cruzio, GeoLinks, Verizon.
5G (outdoors only) and 4G LTE
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