FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
6651 OAK RIDGE RD, APTOS, CA 95003-2751
Mortgage
Document Number
0000041614
Date
Aug 9, 2021
Instrument
2021-0041614
Lender
Name
BAY FCU
Type
Credit Union
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Sep 1, 2051
Mortgage
Document Number
0000041615
Date
Aug 9, 2021
Instrument
2021-0041615
Lender
Name
BAY FCU
Type
Credit Union
Address
CAPITOLA, CA 95010
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
301 Months
Due
Sep 15, 2046
Interest
Rate Type
Adjustable Rate
Change Frequency
Monthly
January 2019: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
SANTA CRUZ CA
Recording Date
Jan 16, 2019
Property Address
6651 OAK RIDGE RD, APTOS, CA 95003-2751
Document Number
0000001239
Instrument Date
Jan 11, 2019
Instrument
2019-0001239
Transaction Type
Transfer
Record Updated
Aug 19, 2022
Title Company
FIRST AMERICAN TITLE COMPANY
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$0.00
Amount Accuracy
Rounded by County
Additional
Arm's Length
Multiple Parcels
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
2601 WILLOWBROOK LN # 64, 64, APTOS, CA 95003-6008
Mortgage
Document Number
0000001241
Date
Jan 16, 2019
Instrument
2019-0001241
Lender
Name
LIGHTHOUSE BANK
Type
Bank
Agreement
Type
Commercial Mortgage
Amount
Amount on Record
Interest
Rate Type
Adjustable Rate
Tax Assessment & Valuation
The 2025 property tax bill for 6651 Oak Ridge Rd was $11,003 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
Property Jurisdictions
Type
Name
State
California
County
Santa Cruz County
Secondary School District
Santa Cruz City High School District (9-12) (09 - 12)
Elementary School District
Soquel Elementary School District (KG - 08)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2026
$944,950 (+2%)Land $385,512Building $559,438
2025
$11,003.00Homeowner's exemption
$926,421Land $377,953Building $548,468
2023
$9,882.00 (+0.56%)Homeowner's exemption
$890,448Land $363,277Building $527,171
$1,846,710
2022
$9,827.00
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 6651 Oak Ridge Rd in Zone X, an area of minimal flood risk, though there have been 25 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 43 policies
Community Rating System
Class 8 (10% premium discount)
Nearby Flood Policies
43 in force
Nearby Flood Claims
25 (1982–2023)
Claims Outside the SFHA
2 of 25
Most Recent Claim
Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event
Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 11 claims
Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims
Severe Storms & Flooding, Feb 1986 · 2 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
Wildfire risk around 6651 Oak Ridge Rd is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Moderate above 63% of the US · lower than 61% 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
SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source
Purchased surface water from several systems
Last State Inspection
Jun 2023
Lead
2 ppb (2023–2025) 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 19 locations within half a mile, as of December 31, 2025
Provider
Max Down / Up (Mbps)
Xfinity Cable
1,200 / 35
Starlink Satellite
280 / 30
May also be available: Cruzio, Etheric Networks, Surfnet Communications.