726 E Cota St, Santa Barbara, CA 93103 Property Records

Santa Barbara County property record for 726 E Cota St, Santa Barbara, CA 93103

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 996 sqft · built 1900
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Company Names on Record
Last Sale	$390,000 (Sep 2013)
Tax Bill	$9,041 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone AH (high risk)
APN	`031-231-007`

Property Details

APN / Parcel Number

Primary APN	`031-231-007`
Alternative APN	`03123107`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	996 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	726 E COTA ST
City	SANTA BARBARA
State	CA
Zip	93103-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C2
Legal Description	LOT 30A BLK 222
Legal Subdivision	SANTA BARBARA
Legal Block	222
Legal Lot Number	SW40
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA BARBARA
Census Block Group	1
Census Block	1005
Census Tract	801

Owner

Source: Santa Barbara County records, as of July 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	726 E COTA ST, SANTA BARBARA, CA 93103-3106
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Aug 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage ON Q FINANCIAL INC
Oct 18, 2018	Quit Claim Deed, Transfer · Line of Credit GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2013 · Amount on Record
Deed Sale	Sep 30, 2013 · Amount on Record
Deed Document Number	201364289
Prior Transfer Date	May 4, 1995
Prior Transfer Doc	0000029260
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	726 E COTA ST, SANTA BARBARA, CA 93103-3106
Transaction Type	Mortgage
Record Updated	Dec 5, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	726 E COTA ST, SANTA BARBARA, CA 93103-3106

Mortgage

Document Number	0000034777
Date	Nov 20, 2023
Instrument	2023-0034777

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	726 E COTA ST, SANTA BARBARA, CA 93103-3106
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	SYNRGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	726 E COTA ST, SANTA BARBARA, CA 93103-3106

Mortgage

Document Number	0000000260
Date	Jan 5, 2021
Instrument	2021-0000260

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	726 E COTA ST, SANTA BARBARA, CA 93103-3106
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036627
Date	Aug 23, 2019
Instrument	2019-0036627

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution
Address	TEMPE, AZ 85281

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Oct 18, 2018
Property Address	726 E COTA ST, SANTA BARBARA, CA 93103-3106
Document Number	0000044819
Instrument Date	Sep 24, 2018
Instrument	44819
Transaction Type	Transfer
Record Updated	Oct 31, 2018
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	726 E COTA ST SANTA BARBARA CA 931033106, SANTA BARBARA, CA 93103-3106

Mortgage

Document Number	44820
Date	Oct 18, 2018
Instrument	44820

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Santa Barbara County assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Municipality	Santa Barbara City
Unified School District	Santa Barbara Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$877,533 (+2%) Land $320,484 Building $557,049
2025	$9,041.00 (+82.35%) Homeowner's exemption Additional exemption filed	$860,327 (+82.55%) Land $314,200 Building $546,127
2023	$4,958.00 (+1.79%) Homeowner's exemption Additional exemption filed	$471,292 Land $282,777 Building $188,515
2022	$4,871.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 45 policies
Nearby Flood Policies	45 in force
Nearby Flood Claims	8 (1995–2023)
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 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

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

Wildfire Risk	Not 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 System	CITY OF SANTA BARBARA WATER DEPARTMENT serves 93,334 people · EPA ID CA4210010
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2024–2026) 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 830 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, GeoLinks.

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