851 Cambridge Dr, Goleta (Santa Barbara), CA 93111 Property Records

Santa Barbara County property record for 851 Cambridge Dr, Goleta, CA 93111

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,439 sqft · built 1905
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Tax Bill	$12,178 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`069-080-033`

Property Details

APN / Parcel Number

Primary APN	`069-080-033`
Alternative APN	`06908033`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,439 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Ranch
Lot Area	39,204 sqft (0.9 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	851 CAMBRIDGE DR
City	SANTA BARBARA
State	CA
Zip	93111-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RECORD/SURVEY 64/29
Legal Lot Number	A
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA BARBARA
Census Block Group	1
Census Block	1009
Census Tract	2907

Owner

851 Cambridge Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	851 CAMBRIDGE DR, SANTA BARBARA, CA 93111-1422
Occupancy	Owner Occupied
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
Jun 11, 2026	Deed of Trust, Mortgage · Line of Credit MECHANICS BANK
Feb 13, 2024	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Recording Date	Jun 11, 2026
Property Address	851 CAMBRIDGE DR, SANTA BARBARA, CA 93111-1422
Document Number	0000019930
Instrument Date	Jun 4, 2026
Instrument	202619930
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	851 CAMBRIDGE DR, SANTA BARBARA, CA 93111-1422

Mortgage

Document Number	0000019930,
Date	Jun 11, 2026
Instrument	202619930

Lender

Name	MECHANICS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 15, 2051

Interest

Rate	6.37%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	851 CAMBRIDGE DR, GOLETA, CA 93111-1422
Transaction Type	Mortgage
Record Updated	Feb 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 CAMBRIDGE DR, SANTA BARBARA, CA 93111-1422

Mortgage

Document Number	0000004602
Date	Feb 13, 2024
Instrument	2024-0004602

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 9, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	851 CAMBRIDGE DR, GOLETA, CA 93111-1422
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 CAMBRIDGE DR, SANTA BARBARA, CA 93111-1422

Mortgage

Document Number	0000079752
Date	Nov 17, 2021
Instrument	2021-0079752

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 851 Cambridge Dr was $12,178 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Municipality	Goleta City
Secondary School District	Santa Barbara Unified School District (7-12) (07 - 12)
Elementary School District	Goleta Union Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,131,772 (+2%) Land $442,077 Building $689,695
2025	$12,178.00 Homeowner's exemption Additional exemption filed	$1,109,581 Land $433,409 Building $676,172
2023	$11,775.00 (+1.68%) Homeowner's exemption Additional exemption filed	$1,066,496 Land $416,580 Building $649,916
2022	$11,580.00

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

Flood

FEMA maps place 851 Cambridge Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows

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 851 Cambridge Dr is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.09% 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	GOLETA WATER DISTRICT serves 85,535 people · EPA ID CA4210004
Water Source	Surface water
Last State Inspection	Dec 2023
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 445 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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