645 Pinecone Dr, Scotts Valley, CA 95066 Property Records

Santa Cruz County property record for 645 Pinecone Dr, Scotts Valley, CA 95066

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,064 sqft · built 1963
Lot Size	0.232 acres (10,106 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (Oct 2000)
Tax Bill	$6,094 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`021-092-02`

Property Details

APN / Parcel Number

Primary APN	`021-092-02`
Alternative APN	`021-092-02-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	2,064 sqft Living Area
Gross Area	2,505 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	10,106 sqft (0.232 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	645 PINECONE DR
City	SCOTTS VALLEY
State	CA
Zip	95066-4424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 291
Legal Subdivision	PASATIEMPO PINES UN #3 TR #291
Legal Tract	291
Legal Lot Number	119
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1025
Census Tract	120800

Owner

645 Pinecone Dr is owned and occupied by an individual who acquired it in October 2020.

Source: Santa Cruz County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	645 PINECONE DR, SCOTTS VALLEY, CA 95066-4424
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
Apr 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Apr 26, 2021	Intrafamily Transfer, Transfer AMROCK TITLE
Dec 4, 2019	Quit Claim Deed, Transfer AMROCK INC
Dec 4, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS
Jan 2, 2018	Quit Claim Deed, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 2, 2018	Quit Claim Deed, Transfer TSI TITLE COMPANY/CA INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2000 · Amount on File
Deed Sale	Oct 25, 2000 · Amount on File
Prior Sale	Nov 15, 1994 · Amount on File
Deed Document Number	200051602
Last Transfer Date	Oct 28, 2020
Transfer Doc	0000023568
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 26, 2021
Property Address	645 PINECONE DR, SCOTTS VALLEY, CA 95066-4424
Document Number	0000023568
Map Reference	VOL 40 PG 1
Instrument Date	Oct 28, 2020
Instrument	2021-0023568
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

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	Joint Tenants with Right of Survivorship
Address	645 PINECONE DR, SCOTTS VALLEY, CA 95066-4424

Mortgage

Document Number	0000023569
Date	Apr 26, 2021
Instrument	2021-0023569

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	235 Months
Due	Nov 1, 2040

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 26, 2021
Property Address	645 PINECONE DR, SCOTTS VALLEY, CA 95066-4424
Document Number	0000023570
Map Reference	VOL 40 PG 1
Instrument Date	Oct 28, 2020
Instrument	2021-0023570
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK TITLE

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	Family Trust
Address	645 PINECONE DR, SCOTTS VALLEY, CA 95066-4424

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 4, 2019
Property Address	645 PINECONE DR, SCOTTS VALLEY, CA 95066-4424
Document Number	0000037901
Instrument Date	Nov 9, 2019
Instrument	37901
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	645 PINECONE DR SCOTTS VALLEY CA 950664424, SCOTTS VALLEY, CA 95066-4424

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 4, 2019
Property Address	645 PINECONE DR, SCOTTS VALLEY, CA 95066-4424
Document Number	0000037899
Instrument Date	Nov 9, 2019
Instrument	37899
Transaction Type	Transfer
Record Updated	Dec 20, 2019
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 PINECONE DR SCOTTS VALLEY CA 950664424, SCOTTS VALLEY, CA 95066-4424

Mortgage

Document Number	37900
Date	Dec 4, 2019
Instrument	37900

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 3, 2034

January 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 2, 2018
Property Address	645 PINECONE DR, SCOTTS VALLEY, CA 95066-4424
Document Number	0000000018
Instrument Date	Dec 21, 2017
Instrument	18
Transaction Type	Mortgage
Record Updated	Jan 23, 2018
Title Company	TSI TITLE COMPANY/CA INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 PINECONE DR SCOTTS VALLEY CA 950664424, SCOTTS VALLEY, CA 95066-4424

Mortgage

Document Number	19
Date	Jan 2, 2018
Instrument	19

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2033

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 2, 2018
Property Address	645 PINECONE DR, SCOTTS VALLEY, CA 95066-4424
Document Number	0000000020
Instrument Date	Dec 21, 2017
Instrument	20
Transaction Type	Transfer
Record Updated	Jan 23, 2018
Title Company	TSI TITLE COMPANY/CA INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	645 PINECONE DR SCOTTS VALLEY CA 950664424, SCOTTS VALLEY, CA 95066-4424

Tax Assessment & Valuation

The 2025 property tax bill for 645 Pinecone Dr was $6,094 with a homeowner's exemption, up 7.4% from the year before.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Scotts Valley City
Unified School District	Scotts Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$445,475 (+2%) Land $214,171 Building $231,304
2025	$6,094.00 (+7.42%) Homeowner's exemption	$436,740 Land $209,971 Building $226,769
2024	$5,673.00 (+3.31%)
2023	$5,491.00 (+2.44%) Homeowner's exemption	$419,781 Land $201,818 Building $217,963	$1,271,160
2022	$5,360.00

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

Flood

FEMA maps place 645 Pinecone Dr 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
Nearby Flood Policies	3 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

Wildfire risk around 645 Pinecone Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SAN LORENZO VALLEY WATER DIST serves 21,513 people · EPA ID CA4410014
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
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 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, T-Mobile, Verizon.

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