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Single Family ResidenceResidential
$639,111$580 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

109 ROSS AVE

FREEDOM, CA 95019
2
Beds
1
Baths
1,102 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1929
Year BuiltThe year the home was originally built, according to county records.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$639K
$568K low$710K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$525,161
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$420,129
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.20%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$113,950
SANTA CRUZ MORTGAGE · R · recorded Dec 2, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,992 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$148,221 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$55,524
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$92,697
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$148,221

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.30
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
41
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
18
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
45
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
46
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySanta Cruz
Lot (acres)The size of the land the home sits on, from county records.0.20
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Freedom ElementaryD-
Elementary · Grades KG–5 · 0.2 mi
M
Rolling Hills Middle SchoolD-
Middle · Grades 6–8 · 0.5 mi
H
Pajaro Valley High SchoolC-
High · Grades 9–12 · 1.3 mi

District: Pajaro Valley Joint Unified School District

Neighborhood · ZIP 95019These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.552

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.99%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.0%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.5,367
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4,753 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,942
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,293
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.23 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.73%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Ross Ave measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 86% of homes in Santa Cruz County
  • Costs more per square foot than 82% of homes in Freedom 95019
  • Smaller than 77% of homes in Santa Cruz County
  • Has a bigger lot than 74% of homes in Freedom 95019
  • Older than 96% of homes in Freedom 95019

What homes are worth in Freedom 95019

Each bar is how many homes fall in that price range. The marker is this home.

This home
$404K$1M

This home is worth more than 42% of homes in Freedom 95019.

How it measures up in Freedom 95019

The dot is this home. The mark in the middle is the typical home in Freedom 95019.

Estimated value$639,111
CheaperTypical $668,404Pricier

Pricier than 42% of homes nearby

Price per ft²$580
CheaperTypical $495Pricier

Pricier than 82% of homes nearby

Living area1,102 ft²
SmallerTypical 1,351 ft²Bigger

Bigger than 27% of homes nearby

Lot size0.2 ac
SmallerTypical 0.15 acBigger

Bigger than 74% of homes nearby

Year built1929
OlderTypical 1963Newer

Newer than 4% of homes nearby

How 109 Ross Ave ranks against every home in each area.
MeasureThis homeFreedom 95019Santa Cruz County
Estimated valuepricier than$639,11142% of homes14% of homes
Price per ft²pricier than$58082% of homes32% of homes
Living areabigger than1,102 ft²27% of homes23% of homes
Lot sizebigger than0.2 ac74% of homes62% of homes
Year builtnewer than19294% of homes8% of homes

About 109 Ross Ave

How much is 109 Ross Ave, Freedom, CA worth?

The TopHap Estimate for 109 Ross Ave, Freedom, CA is $639,111 as of Jul 14, 2026. The likely range is $568,380 to $709,842. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 109 Ross Ave, Freedom, CA?

109 Ross Ave, Freedom, CA has 2 bedrooms, 1 bathrooms, 1,102 square feet of living space and a 0.20-acre lot.

When was 109 Ross Ave, Freedom, CA built?

109 Ross Ave, Freedom, CA was built in 1929, making it 97 years old.

What schools serve 109 Ross Ave, Freedom, CA?

109 Ross Ave, Freedom, CA is assigned to Freedom Elementary (elementary), rated D-; Rolling Hills Middle School (middle), rated D-; Pajaro Valley High School (high), rated C-. All sit in Pajaro Valley Joint Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Ross Ave, Freedom, CA compare to other homes in Freedom 95019?

Among the 1,059 homes in Freedom 95019, it is worth more than 42% of them ($639,111 against a typical $668,404), its price per square foot is higher than 82% of them ($580 against a typical $495), it is bigger than 27% of them (1,102 ft² against a typical 1,351 ft²), its lot is bigger than 74% of them (0.2 ac against a typical 0.15 ac) and it is newer than 4% of them (1929 against a typical 1963). Measured against all of Santa Cruz County, it is worth more than 14% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Ross Ave, Freedom, CA?

The 2025 property tax bill for 109 Ross Ave, Freedom, CA was $1,992. The county assessed it at $148,221.

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