655 35th Ave, Santa Cruz, CA 95062 Property Records

Santa Cruz County property record for 655 35th Ave, Santa Cruz, CA 95062

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,267 sqft · built 1941
Lot Size0.115 acres (5,009 sqft)
OwnerIndividual Name on File
Last Sale$660,500 (Feb 2013)
Tax Bill$13,082 (2025)
Deeds & MortgagesApr 2021 Mortgage
Apr 2021 Line of Credit
+ 6 more
Flood ZoneZone X (minimal risk)
APN032-072-05

Property Details

APN / Parcel Number

Primary APN032-072-05
Alternative APN
  • 032-072-05-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms4 Rooms
Stories1 Story
Building Area1,267 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1941
Effective Year BuiltEffective 1990
Architectural StyleBungalow
Exterior MaterialStucco
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area5,009 sqft (0.115 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
Total Buildings2 Buildings

Utilities, Heating & Cooling

Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address645 35TH AVE
CitySANTA CRUZ
StateCA
Zip95062-5112
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-5-PP
Legal SubdivisionBELTZ HAVEN TR SUB #2
Legal Lot Number23
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1008
Census Tract121601

Owner

655 35th Ave is owned and occupied by an individual who acquired it in May 2021.

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

Owner of RecordIndividual Name on File
Mailing Address645 35TH AVE, SANTA CRUZ, CA 95062-5112
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Apr 14, 2021Deed of Trust, Mortgage · Conventional Mortgage
FLAGSTAR BANK FSB
Apr 14, 2021Deed of Trust, Mortgage · Line of Credit
FLAGSTAR BANK FSB
Aug 8, 2023Deed of Trust, Mortgage · Line of Credit
JACKSON FLAGSTAR CENTRE OFFICE
Apr 26, 2017Deed of Trust, Mortgage · Line of Credit
COMERICA BANK
May 21, 2021Intrafamily Transfer, Transfer
Mar 10, 2020Grant Deed, Transfer
NOT AVAILABLE
Jul 19, 2019Quit Claim Deed, Transfer
FIRST AMERICAN TITLE
Oct 26, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 28, 2013 · Amount on File
Deed SaleFeb 28, 2013 · Amount on File
Prior SaleApr 8, 2009 · Amount on File
Deed Document Number201310481
Last Transfer DateMay 8, 2021
Transfer Doc0000028785
Record UpdatedSep 20, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address645 35TH AVE, SANTA CRUZ, CA 95062-5112
Transaction TypeMortgage
Record UpdatedSep 5, 2023
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 35TH AVE, SANTA CRUZ, CA 95062-5112

Mortgage

Document Number0000021409
DateApr 14, 2021
Instrument2021-0021409
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2051

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address645 35TH AVE, SANTA CRUZ, CA 95062-5112
Transaction TypeMortgage
Record UpdatedSep 5, 2023
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 35TH AVE, SANTA CRUZ, CA 95062-5112

Mortgage

Document Number0000021410
DateApr 14, 2021
Instrument2021-0021410
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeLine of Credit
AmountAmount on Record
Term361 Months
DueMay 1, 2051
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address645 35TH AVE, SANTA CRUZ, CA 95062-5112
Transaction TypeMortgage
Record UpdatedSep 5, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 35TH AVE, SANTA CRUZ, CA 95062-5112

Mortgage

Document Number0000014758
DateAug 8, 2023
Instrument2023-0014758
Lender
NameJACKSON FLAGSTAR CENTRE OFFICE
TypeBank
AddressTROY, MI 48098
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueAug 1, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address645 35TH AVE, SANTA CRUZ, CA 95062-5112
Transaction TypeMortgage
Record UpdatedAug 19, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000013789
DateApr 26, 2017
Instrument2017-0013789
Lender
NameCOMERICA BANK
TypeBank
AddressDALLAS, TX 75201
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateMay 21, 2021
Property Address645 35TH AVE, SANTA CRUZ, CA 95062-5112
Document Number0000028785
Map ReferenceMB 21 PG 71
Instrument DateMay 8, 2021
Instrument2021-0028785
Transaction TypeTransfer
Record UpdatedSep 5, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 35TH AVE, SANTA CRUZ, CA 95062-5112

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateMar 10, 2020
Property Address645 35TH AVE, SANTA CRUZ, CA 95062-5112
Document Number0000008323
Instrument DateMar 4, 2020
Instrument8323
Transaction TypeTransfer
Record UpdatedApr 27, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 35TH AVE SANTA CRUZ CA 950625112, SANTA CRUZ, CA 95062-5112

July 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateJul 19, 2019
Property Address645 35TH AVE, SANTA CRUZ, CA 95062-5112
Document Number0000020397
Instrument DateJul 17, 2019
Instrument20397
Transaction TypeTransfer
Record UpdatedJul 30, 2019
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address645 35TH AVE SANTA CRUZ CA 950625112, SANTA CRUZ, CA 95062-5112

October 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateOct 26, 2018
Property Address645 35TH AVE, SANTA CRUZ, CA 95062-5112
Document Number0000032451
Instrument DateOct 4, 2018
Instrument32451
Transaction TypeTransfer
Record UpdatedNov 12, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address645 35TH AVE SANTA CRUZ CA 950625112, SANTA CRUZ, CA 95062-5112

Tax Assessment & Valuation

The 2025 property tax bill for 655 35th Ave was $13,082 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Secondary School DistrictSanta Cruz City High School District (9-12) (09 - 12)
Elementary School DistrictLive Oak Elementary School District (KG - 08)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$935,378 (+2%) Land $496,771 Building $438,607
2025$13,082.00 Homeowner's exemption$917,037 Land $487,030 Building $430,007
2023$11,997.00 (+14.2%)$881,428 Land $468,118 Building $413,310$1,173,150
2022$10,505.00

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

Flood

FEMA maps place 655 35th Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 12 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies12 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 655 35th 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 RiskNot 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 SystemSANTA CRUZ WATER DEPARTMENT
serves 94,626 people · EPA ID CA4410010
Water SourceSurface water
Last State InspectionJun 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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.

Nearby Properties on 35th Ave

Nearby Streets

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