638 36th Ave, Santa Cruz, CA 95062 Property Records

Santa Cruz County property record for 638 36th Ave, Santa Cruz, CA 95062

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 918 sqft · built 1940
Lot Size	0.129 acres (5,619 sqft)
Owner	Individual Name on File
Last Sale	$1,110,000 (Jan 2018)
Tax Bill	$15,996 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`032-082-43`

Property Details

APN / Parcel Number

Primary APN	`032-082-43`
Alternative APN	`032-082-43-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	918 sqft Living Area
Gross Area	1,134 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1941
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	5,619 sqft (0.129 acres)
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	638 36TH AVE
City	SANTA CRUZ
State	CA
Zip	95062-5119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5-PP
Legal Subdivision	BELTZ HAVEN 01
Legal Lot Number	22
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	121601

Owner

638 36th Ave is owned and occupied by an individual who bought it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	638 36TH AVE, SANTA CRUZ, CA 95062-5119
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 21, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Apr 28, 2020	Deed of Trust, Mortgage QUICKEN LNS
Jan 17, 2018	Grant Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2018 · Amount on File
Deed Sale	Jan 17, 2018 · Amount on File
Prior Sale	Oct 7, 2010 · Amount on File
Deed Document Number	20181550
Prior Transfer Date	Mar 27, 1995
Prior Transfer Doc	0000020026
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	638 36TH AVE, SANTA CRUZ, CA 95062-5119
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 36TH AVE, SANTA CRUZ, CA 95062-5119

Mortgage

Document Number	0000009098
Date	Mar 21, 2022
Instrument	2022-0009098

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 7, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	638 36TH AVE, SANTA CRUZ, CA 95062-5119
Transaction Type	Mortgage
Record Updated	May 7, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 36TH AVE, SANTA CRUZ, CA 95062-5119

Mortgage

Document Number	0000022432
Date	Apr 20, 2021
Instrument	2021-0022432

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	638 36TH AVE, SANTA CRUZ, CA 95062-5119
Document Number	0000015164
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	638 36TH AVE SANTA CRUZ CA 950625119, SANTA CRUZ, CA 95062-5119

Mortgage

Document Number	0000015164
Date	May 4, 2020
Instrument	15164

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 3, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 17, 2018
Property Address	638 36TH AVE, SANTA CRUZ, CA 95062-5119
Document Number	0000001550
Instrument Date	Jan 9, 2018
Instrument	1550
Transaction Type	Transfer
Record Updated	Feb 2, 2018
Title Company	FIRSTAMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,221.00
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	538 36TH AVE SANTA CRUZ CA 95062, SANTA CRUZ, CA 95062

Mortgage

Document Number	1551
Date	Jan 17, 2018
Instrument	1551

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.47%

Tax Assessment & Valuation

The 2025 property tax bill for 638 36th Ave was $15,996.

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		$1,288,250 (+2%) Land $1,030,600 Building $257,650
2025	$15,996.00	$1,262,991 Land $1,010,393 Building $252,598
2023	$14,679.00 (+2.33%)	$1,213,947 Land $971,158 Building $242,789	$1,202,220
2022	$14,345.00

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

Flood

FEMA maps place 638 36th 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 638 36th 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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