643 37th Ave, Santa Cruz, CA 95062 Property Records

Santa Cruz County property record for 643 37th Ave, Santa Cruz, CA 95062

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,328 sqft · built 1937
Lot Size	0.125 acres (5,445 sqft)
Owner	Trust Name on File
Last Sale	$1,000,000 (Mar 2017)
Tax Bill	$19,479 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`032-082-11`

Property Details

APN / Parcel Number

Primary APN	`032-082-11`
Alternative APN	`032-082-11-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,328 sqft Living Area

Exterior

Year Built	Built 1937
Effective Year Built	Effective 2018
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,445 sqft (0.125 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	645 37TH AVE
City	SANTA CRUZ
State	CA
Zip	95062-5122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5-PP
Legal Description	LOT 22
Legal Subdivision	BELTZ-HAVEN TR 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

643 37th Ave is owner-occupied and held in a trust since September 2018.

Source: Santa Cruz County records, as of October 21, 2026

Owner of Record	Trust Name on File
Mailing Address	645 37TH AVE, SANTA CRUZ, CA 95062-5122
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Living Trust

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 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Sep 12, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE
Mar 1, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2017 · Amount on File
Deed Sale	Mar 1, 2017 · Amount on File
Prior Sale	Mar 18, 1998 · Amount on File
Deed Document Number	20177340
Last Transfer Date	Sep 5, 2018
Transfer Doc	0000027869
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	645 37TH AVE, SANTA CRUZ, CA 95062-5122
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 37TH AVE, SANTA CRUZ, CA 95062-5122

Mortgage

Document Number	0000035181
Date	Sep 9, 2020
Instrument	2020-0035181

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 12, 2018
Property Address	645 37TH AVE, SANTA CRUZ, CA 95062-5122
Document Number	0000027869
Map Reference	VOL 21 PG 42
Instrument Date	Sep 5, 2018
Instrument	2018-0027869
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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	Revocable Trust
Address	645 37TH AVE, SANTA CRUZ, CA 95062-5122

Mortgage

Document Number	0000027870
Date	Sep 12, 2018
Instrument	2018-0027870

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

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

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 1, 2017
Property Address	645 37TH AVE, SANTA CRUZ, CA 95062-5122
Document Number	0000007340
Instrument Date	Feb 22, 2017
Instrument	7340
Transaction Type	Transfer
Record Updated	Mar 21, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$1,100.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	315 36TH AVE SANTA CRUZ CA 950625516, SANTA CRUZ, CA 95062-5516

Tax Assessment & Valuation

The 2025 property tax bill for 643 37th Ave was $19,479 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
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		$1,521,665 (+2%) Land $1,006,228 Building $515,437
2025	$19,479.00 Homeowner's exemption	$1,491,828 Land $986,498 Building $505,330
2023	$17,844.00 (+2.46%) Homeowner's exemption	$1,433,899 Land $948,191 Building $485,708	$1,171,170
2022	$17,415.00

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

Flood

FEMA maps place 643 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 643 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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