HUD-insured apartment loans in Santa Cruz, CA
5 properties in Santa Cruz with 359 units have FHA-insured mortgages, owing $67.0 million in all. The median note rate is 4.06%; the lowest is 2.2% at San Lorenzo Park Apartments.
| Property | Units | Rate | Balance | Matures |
|---|---|---|---|---|
| San Lorenzo Park Apartments | 77 | 2.2% | $12.3 million | 2055 |
| Woodland Senior Apts | 68 | 2.25% | $9.8 million | 2056 |
| Elizabeth Oaks Apartments | 126 | 4.06% | $28.2 million | 2057 |
| Redwood Commons | 38 | 4.8% | $2.1 million | 2045 |
| Mission Gardens Apartments | 50 | 6.3% | $14.7 million | 2059 |
Most-active servicers here: Lument Real Estate Capital, Ll (2), Walker and Dunlop LLC (1), Bellwether Enterprise Real Est (1).
Source: HUD, Insured Multifamily Mortgages, active file, current as of September 30, 2026. Grouped by the city HUD records for each property.
Buying or refinancing in Santa Cruz?
The Janover Capital desk can tell you whether an existing HUD loan can move with the property, and what a new one would size to.