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

Santa Barbara County property record for 923 E Cota St, Santa Barbara, CA 93103

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,056 sqft · built 1955
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Jul 2018)
Tax Bill	$7,396 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`031-183-011`

Property Details

APN / Parcel Number

Primary APN	`031-183-011`
Alternative APN	`03118311`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,056 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	923 E COTA ST
City	SANTA BARBARA
State	CA
Zip	93103-2514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	TR MILPAS GARDENS BK 9/52 BLK 201 LOT 62
Legal Subdivision	MILPAS GARDENS
Legal Block	201
Legal Lot Number	62
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA BARBARA
Census Block Group	2
Census Block	2011
Census Tract	801

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	923 E COTA ST, SANTA BARBARA, CA 93103-2514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jul 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU
Jul 24, 2018	Grant Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2018 · Amount on Record
Deed Sale	Jul 24, 2018 · Amount on Record
Deed Document Number	201830827
Prior Transfer Date	Jun 11, 2018
Prior Transfer Doc	0000030827
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	923 E COTA ST, SANTA BARBARA, CA 93103-2514
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 E COTA ST, SANTA BARBARA, CA 93103-2514

Mortgage

Document Number	0000057615
Date	Oct 16, 2020
Instrument	2020-0057615

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	923 E COTA ST, SANTA BARBARA, CA 93103-2514
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029558
Date	Jul 16, 2019
Instrument	2019-0029558

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

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

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	923 E COTA ST, SANTA BARBARA, CA 93103-2514
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 E COTA ST, SANTA BARBARA, CA 93103-2514

Mortgage

Document Number	0000045227
Date	Jun 17, 2021
Instrument	2021-0045227

Lender

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

Agreement

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

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Jul 24, 2018
Property Address	923 E COTA ST, SANTA BARBARA, CA 93103-2514
Document Number	0000030827
Map Reference	MB9 PG52
Instrument Date	Jun 11, 2018
Instrument	2018-0030827
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 E COTA ST, SANTA BARBARA, CA 93103-2514

Mortgage

Document Number	0000030828
Date	Jul 24, 2018
Instrument	2018-0030828

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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		$711,137 (+2%) Land $489,263 Building $221,874
2025	$7,396.00 (+3.64%)	$697,194 (+4.04%) Land $479,670 Building $217,524
2023	$7,136.00 (+1.74%)	$670,123 Land $461,045 Building $209,078
2022	$7,014.00

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	3 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
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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