640 37th Ave, Santa Cruz, CA 95062 Property Records

Santa Cruz County property record for 640 37th Ave, Santa Cruz, CA 95062

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,434 sqft · built 2026
Lot Size	0.123 acres (5,358 sqft)
Owner	2 Individual Names on File
Last Sale	$1,649,000 (Sep 2021)
Tax Bill	$21,462 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`032-081-40`

Property Details

APN / Parcel Number

Primary APN	`032-081-40`
Alternative APN	`032-081-40-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	2,434 sqft Living Area
Gross Area	2,684 sqft

Exterior

Year Built	Built 2026
Effective Year Built	Effective 2026
Construction Type	Wood
Roof Material	Metal
Lot Area	5,358 sqft (0.123 acres)
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	638 37TH AVE
City	SANTA CRUZ
State	CA
Zip	95062-5123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5-PP
Legal Subdivision	BELTZ-HAVEN
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1002
Census Tract	121601

Owner

640 37th Ave is owned by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	50 CORTE AMADO, GREENBRAE, CA 94904-1104
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
Sep 7, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 9, 2018	Grant Deed, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2021 · Amount on File
Deed Sale	Sep 7, 2021 · Amount on File
Prior Sale	Oct 9, 2018 · Amount on File
Deed Document Number	202146048
Prior Transfer Date	Mar 18, 1994
Prior Transfer Doc	0000021565
Record Updated	Sep 20, 2026

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 7, 2021
Property Address	638 37TH AVE, SANTA CRUZ, CA 95062-5123
Document Number	0000046048
Map Reference	VOL 21 PG 42
Instrument Date	Aug 27, 2021
Instrument	2021-0046048
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,813.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	50 CORTE AMADO, GREENBRAE, CA 94904-1104

Mortgage

Document Number	0000046049
Date	Sep 7, 2021
Instrument	2021-0046049

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Oct 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.37%
Index	Other
Max Rate	7.37%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	638 37TH AVE, SANTA CRUZ, CA 95062-5123
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009273
Date	Mar 17, 2020
Instrument	2020-0009273

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 9, 2018
Property Address	638 37TH AVE, SANTA CRUZ, CA 95062-5123
Document Number	0000030506
Map Reference	VOL 21 PG 42
Instrument Date	Sep 25, 2018
Instrument	2018-0030506
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN 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
Address	638 37TH AVE, SANTA CRUZ, CA 95062-5123

Mortgage

Document Number	0000030507
Date	Oct 9, 2018
Instrument	2018-0030507

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 640 37th Ave was $21,462.

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		$1,782,691 (+1.87%) Land $1,517,191 Building $265,500
2025	$21,462.00	$1,749,932 Land $1,487,442 Building $262,490
2023	$19,743.00 (+2.25%)	$1,681,980 Land $1,429,683 Building $252,297	$1,536,480
2022	$19,309.00

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

Flood

FEMA maps place 640 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 640 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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