Data updated October 12, 2026 · Santa Cruz County, California
Santa Cruz County HOA Lien List
255 Santa Cruz County properties carry an open HOA lien — #20 of California's 58 counties and 0.7% of the statewide total. When a California owner stops paying dues, the association records an assessment lien under the Davis-Stirling Act, and once the debt passes the statutory floor it can foreclose even if the mortgage is current. It's one of the most overlooked distress signals in county records: recurring bills stopped being paid, often long before any bank files a notice of default. Each lien here is matched against recorded releases, so the list holds only liens that are actually still open.
Search These 255 Properties With Open HOA Liens
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Sample Records
6 Real HOA Lien Properties In Santa Cruz County
6 records pulled from the database, picked from the highest AI distress scores in the county. Click a pin or a row to light it up on the map, double-click to open the same property profile subscribers see. Owner names, mailing addresses, parcel numbers, and contacts are shown in the free trial (no credit card required).
Showing: List. Switch to AI Distress Score to see how our AI ranks these ten by urgency.
| Property | Type | Value | Equity | HOA Lien | Lien Position | Score |
|---|---|---|---|---|---|---|
1144 PALO VERDE TER SANTA CRUZ · 1 bd / 1 ba · 960 sf | Condo | $817K | $437K54% | $16K Open HOA Lien | 2nd | 81 |
2130 CANFIELD AVE APT B SANTA CRUZ · 2 bd / 2 ba · 1,140 sf | Condo | $755K | $303K40% | $17K HOA Foreclosure | 2nd | 80 |
3300 BEACH DR APTOS · 3 bd / 2 ba · 1,429 sf | Single Family | $2.51M | $2.04M81% | $550K Open HOA Lien | 2nd | 64 |
497 VISTA POINTE DR WATSONVILLE · 4 bd / 2.5 ba · 2,006 sf | Single Family | $1.04M | $636K61% | $16K HOA Foreclosure | 2nd | 64 |
572 VISTA VERDE CIR WATSONVILLE · 4 bd / 4.5 ba · 2,173 sf | Single Family | $954K | $689K72% | $7K Open HOA Lien | 2nd | 54 |
6312 SEASCAPE RESORT DR APTOS · 1 bd / 1 ba · 488 sf | Condo | $603K | $173K29% | $45K Open HOA Lien | 2nd | 50 |
Want all 255 open hoa liens in Santa Cruz County?
These ten are the sample. Owner names, mailing addresses, parcel numbers, lenders, trustees, one-click skip tracing, and direct mail are shown in the free trial (no credit card required).
The Profile
One click. The whole picture.
Every recorded lien
Tax liens, judgments, mechanics liens, HOA liens. Amounts, parties, and whether each one is still active — matched against recorded releases, so a lien on the profile is a lien that's really there.
The Full Santa Cruz County Distress Pipeline
Santa Cruz County At A Glance
Santa Cruz County is home to about 266,021 people and is tracked parcel by parcel across every city and unincorporated community inside it. Across Santa Cruz County the platform is tracking 1,993 tax-delinquent, 56 under a notice of default and 74 in pre-foreclosure.
The pressure is not spread evenly. Watsonville, Santa Cruz, Boulder Creek, Aptos and Soquel carry 78% of it between them, out of 13 communities in the county.
By ZIP, 95076, 95006, 95060 and 95003 run heaviest. Pajaro Valley Joint Unified School District and San Lorenzo Valley Unified School District contain the largest shares.
Lien Activity In Santa Cruz County
Live from recorded county documents, releases removed — the same records the list itself is counted from.
What's on Every Property Record
Every property shows the recorded lien amount and date, whether the association has moved to foreclose, the owner's record and mailing address, open loans, other liens on the parcel, and true equity. An HOA lien on a high-equity home is a classic early-outreach setup: the owner has something to protect and a problem that compounds monthly.
Frequently Asked Questions
How many open HOA liens are there in Santa Cruz County?
Properant tracks 255 open HOA liens in Santa Cruz County as of October 12, 2026 — ranked #20 of California's 58 counties — counted from recorded county documents with releases and cancellations removed.
Can an HOA really foreclose on a home in Santa Cruz County?
Yes. Under the Davis-Stirling Act a California association can foreclose once delinquent assessments cross the statutory threshold, through either judicial or nonjudicial process. HOA foreclosures run on a separate track from mortgage foreclosures — a home can be current on its loan and still be facing an HOA sale, which is exactly why these properties rarely show up on ordinary foreclosure lists.
Can I download the Santa Cruz County list?
Yes. Inside Properant you can filter Santa Cruz County by city, equity, owner type, and every other signal, save the list, and export it — or upload your own list for matching and enrichment. The trial is free and requires no credit card.
Work Santa Cruz County Like You Live at the Recorder's Office
This page is one slice of it. Properant connects every parcel in California to its owner, open loans, liens and foreclosure stage — then scores and skip-traces the ones worth calling.
Want to search these 255 properties with open HOA liens?
Explore the live Santa Cruz County HOA lien database in Properant.
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