645 Circle Dr, Santa Barbara, CA 93108 Property Records

Santa Barbara County property record for 645 Circle Dr, Santa Barbara, CA 93108

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,432 sqft · built 1964
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,125,000 (Jun 2020)
Tax Bill	$12,985 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013-121-015`

Property Details

APN / Parcel Number

Primary APN	`013-121-015`
Alternative APN	`01312115`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,432 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	13,068 sqft (0.3 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	645 CIRCLE DR
City	SANTA BARBARA
State	CA
Zip	93108-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MONT CIRCLE POR OF LTS 2 & 1 BLK A
Legal Subdivision	MONTECITO CIRCLE
Legal Block	A
Legal Lot Number	2
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA BARBARA
Census Block Group	2
Census Block	2016
Census Tract	700

Owner

Source: Santa Barbara County records, as of July 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	645 CIRCLE DR, SANTA BARBARA, CA 93108-1001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Jul 6, 2020	Deed of Trust, Mortgage NOT AVAILABLE
Jun 18, 2020	Grant Deed, Transfer BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2020 · Amount on Record
Deed Sale	Jun 18, 2020 · Amount on Record
Prior Sale	Jan 9, 2015 · Amount on Record
Deed Document Number	202030099
Prior Transfer Date	Jul 14, 2015
Prior Transfer Doc	0000050240
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	645 CIRCLE DR, SANTA BARBARA, CA 93108-1001
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014174
Date	Mar 24, 2017
Instrument	2017-0014174

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	645 CIRCLE DR, SANTA BARBARA, CA 93108-1001
Document Number	0000047591
Instrument Date	Jul 6, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CIRCLE DR SANTA BARBARA CA 931081001, SANTA BARBARA, CA 93108-1001

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Jun 18, 2020
Property Address	645 CIRCLE DR, SANTA BARBARA, CA 93108-1001
Document Number	0000030099
Instrument Date	Jun 12, 2020
Instrument	30099
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,238.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 CIRCLE DR SANTA BARBARA CA 931081001, SANTA BARBARA, CA 93108-1001

Mortgage

Document Number	30100
Date	Jun 18, 2020
Instrument	30100

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

Tax Assessment & Valuation

Source: Santa Barbara County assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Municipality	Santa Barbara City
Secondary School District	Santa Barbara Unified School District (7-12) (07 - 12)
Elementary School District	Cold Spring Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,254,954 (+2%) Land $780,861 Building $474,093
2025	$12,985.00 (+3.81%)	$1,230,348 (+4.04%) Land $765,550 Building $464,798
2023	$12,509.00 (+1.83%)	$1,182,574 Land $735,824 Building $446,750
2022	$12,284.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	10 (1978–2023)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 3 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 42% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	MONTECITO WATER DIST serves 12,010 people · EPA ID CA4210007
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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