Santa Cruz County property record for 656 Spring St, Santa Cruz, CA 95060
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,756 sqft · built 1980 |
| Lot Size | 0.485 acres (21,127 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,260,000 (Apr 2014) |
| Tax Bill | $18,286 (2025) |
| Deeds & Mortgages | Jan 2019 Line of Credit Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-231-06 |
| Primary APN | 001-231-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 3,756 sqft Living Area |
| Gross Area | 4,548 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 21,127 sqft (0.485 acres) |
| Garage Type | Attached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 216 sqft |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 656 SPRING ST |
|---|---|
| City | SANTA CRUZ |
| State | CA |
| Zip | 95060-2043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | WINDY HILL FARM ESTATES TR 861 |
| Legal Lot Number | 4 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 100300 |
656 Spring St is owner-occupied and held in a trust since November 2015.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 656 SPRING ST, SANTA CRUZ, CA 95060-2043 |
| 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.
| Date | Document |
|---|---|
| Jan 23, 2019 | Deed of Trust, Mortgage · Line of Credit UMPQUA BANK |
| Oct 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SILICON VALLEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2014 · Amount on File |
| Deed Sale | Apr 1, 2014 · Amount on File |
| Deed Document Number | 20149751 |
| Last Transfer Date | Nov 13, 2015 |
| Transfer Doc | 0000000774 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 656 SPRING ST, SANTA CRUZ, CA 95060-2043 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000001776 |
|---|---|
| Date | Jan 23, 2019 |
| Instrument | 2019-0001776 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | CONCORD, CA 94520 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 656 SPRING ST, SANTA CRUZ, CA 95060-2043 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 656 SPRING ST, SANTA CRUZ, CA 95060-2043 |
| Document Number | 0000041654 |
|---|---|
| Date | Oct 14, 2020 |
| Instrument | 2020-0041654 |
| Name | SILICON VALLEY BANK |
|---|---|
| Type | Bank |
| Address | SANTA CLARA, CA 95054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
The 2025 property tax bill for 656 Spring St was $18,286.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,589,330 (+2%) Land $945,288 Building $644,042 | ||
| 2025 | $18,286.00 | $1,558,167 Land $926,753 Building $631,414 | |
| 2023 | $16,847.00 (+1.15%) | $1,497,662 Land $890,766 Building $606,896 | $2,095,470 |
| 2022 | $16,656.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 656 Spring St in Zone X, an area of minimal flood risk, though there have been 41 flood claims 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 |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 41 (1982–2023) |
| Claims Outside the SFHA | 11 of 41 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 656 Spring St is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 76% of California |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 323 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: AT&T, Cruzio, GeoLinks, Verizon.
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