655 High St, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 655 High St, Santa Cruz, CA 95060

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,124 sqft · built 1956
Lot Size	0.144 acres (6,273 sqft)
Owner	2 Individual Names on File
Last Sale	$1,150,000 (Jul 2021)
Tax Bill	$15,885 (2025)
Deeds & Mortgages	May 2023 Transfer Jul 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`006-271-05`

Property Details

APN / Parcel Number

Primary APN	`006-271-05`
Alternative APN	`006-271-05-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,124 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,273 sqft (0.144 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	655 HIGH ST
City	SANTA CRUZ
State	CA
Zip	95060-2644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SANTA CRUZ
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2016
Census Tract	100300

Owner

655 High St is owned by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	40472 VALENCIA CT, FREMONT, CA 94539-3625
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
May 10, 2023	Intrafamily Transfer, Transfer
Jul 20, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Jul 20, 2021	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jul 6, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2021 · Amount on File
Deed Sale	Jul 20, 2021 · Amount on File
Deed Document Number	202138380
Prior Transfer Date	Jul 16, 2021
Prior Transfer Doc	0000038381
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 10, 2023
Property Address	655 HIGH ST, SANTA CRUZ, CA 95060-2644
Document Number	0000008243
Instrument Date	May 2, 2023
Instrument	2023-0008243
Transaction Type	Transfer
Record Updated	May 24, 2023

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 Revocable Trust
Address	40472 VALENCIA CT, FREMONT, CA 94539-3625

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 20, 2021
Property Address	655 HIGH ST, SANTA CRUZ, CA 95060-2644
Document Number	0000038381
Instrument Date	Jul 16, 2021
Instrument	2021-0038381
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	OLD REPUBLIC TITLE, 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
Address	40472 VALENCIA CT, FREMONT, CA 94539-3625

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 20, 2021
Property Address	655 HIGH ST, SANTA CRUZ, CA 95060-2644
Document Number	0000038380
Instrument Date	Jul 14, 2021
Instrument	2021-0038380
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,265.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40472 VALENCIA CT, FREMONT, CA 94539-3625

Mortgage

Document Number	0000038382
Date	Jul 20, 2021
Instrument	2021-0038382

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 6, 2021
Property Address	655 HIGH ST, SANTA CRUZ, CA 95060-2644
Document Number	0000036249
Instrument Date	Jun 14, 2021
Instrument	2021-0036249
Transaction Type	Transfer
Record Updated	Jul 21, 2021

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
Address	511 TILDEN CIR, VACAVILLE, CA 95688-9558

Tax Assessment & Valuation

The 2025 property tax bill for 655 High St was $15,885.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Santa Cruz City
Elementary School District	Santa Cruz City Elementary School District (KG - 05)
Secondary School District	Santa Cruz City High School District (6-12) (06 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,374,845 (+2%) Land $995,838 Building $379,007
2025	$15,885.00	$1,347,887 Land $976,311 Building $371,576
2023	$13,289.00 (+1.14%)	$1,173,000 Land $938,400 Building $234,600	$1,131,390
2022	$13,139.00

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

Flood

FEMA maps place 655 High St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jan 1982 · Severe Storms, Flood, Mudslides & High Tide

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 655 High St 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 80% of the US · lower than 88% 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	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 607 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
Cruzio Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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