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686 Spring St, Santa Cruz, CA 95060 Property Records

Santa Cruz County property record for 686 Spring St, Santa Cruz, CA 95060

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,664 sqft · built 1984
Lot Size0.568 acres (24,742 sqft)
OwnerIndividual Name on File
Tax Bill$8,443 (2025)
Deeds & MortgagesJan 2021 Transfer
Jan 2021 Transfer
Flood ZoneZone X (minimal risk)
APN001-231-01

Property Details

APN / Parcel Number

Primary APN001-231-01
Alternative APN
  • 001-231-01-000

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Building Area3,664 sqft Living Area

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area24,742 sqft (0.568 acres)

Utilities, Heating & Cooling

SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address686 SPRING ST
CitySANTA CRUZ
StateCA
Zip95060-2043
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionLANDS/G RICHARD PETERSON
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1000
Census Tract100300

Owner

686 Spring St is owned and occupied by an individual.

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

Owner of RecordIndividual Name on File
Mailing Address686 SPRING ST, SANTA CRUZ, CA 95060-2043
OccupancyOwner Occupied
Owner TypeIndividual
VestingBorrower in Default

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
Jan 6, 2021Quit Claim Deed, Transfer
ATTORNEY ONLY
Jan 6, 2021Affidavit of Death, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedSep 20, 2026

January 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateJan 6, 2021
Property Address686 SPRING ST, SANTA CRUZ, CA 95060-2043
Document Number0000000782
Instrument DateNov 12, 2020
Instrument782
Transaction TypeTransfer
Record UpdatedJan 21, 2021
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address686 SPRING ST SANTA CRUZ CA 950602043, SANTA CRUZ, CA 95060-2043

January 2021: Affidavit of Death, Transfer

Document TypeAffidavit of Death
JurisdictionSANTA CRUZ CA
Recording DateJan 6, 2021
Property Address686 SPRING ST, SANTA CRUZ, CA 95060-2043
Document Number0000000781
Instrument DateNov 12, 2020
Instrument781
Transaction TypeTransfer
Record UpdatedJan 21, 2021
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address686 SPRING ST SANTA CRUZ CA 950602043, SANTA CRUZ, CA 95060-2043

Tax Assessment & Valuation

The 2025 property tax bill for 686 Spring St was $8,443.

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalitySanta Cruz City
Elementary School DistrictSanta Cruz City Elementary School District (KG - 05)
Secondary School DistrictSanta Cruz City High School District (6-12) (06 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$737,136 (+2%) Land $166,748 Building $570,388
2025$8,443.00$722,682 Land $163,478 Building $559,204
2023$7,729.00 (+1.18%)$694,620 Land $157,130 Building $537,490$2,469,420
2022$7,639.00

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

Flood

FEMA maps place 686 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 14 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies14 in force
Nearby Flood Claims41 (1982–2023)
Claims Outside the SFHA11 of 41
Most Recent ClaimJan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 5 claims
  • Severe Storms, Flooding, Mudslides, And Landslides, Dec 2005 · 6 claims
  • Severe Winter Storms And Flooding, Mar 1998 · 7 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 686 Spring St is low, with a 0.05% annual chance of wildfire.

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

Wildfire RiskLow
lower than 65% of the US · lower than 79% of California
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 323 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spring St

Nearby Streets

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