09/25/2026
The pages that change a coastal deal are rarely page one.
• Seller disclosures: repeated notes on moisture, drainage, leaks, or past repairs.
• Inspection reports: focus on active issues, safety items, and aging systems.
• Hazard and insurance pages: flood, fire, coastal exposure, and insurance issues shift cost.
• Permits: confirm major work had the right approvals.
• HOA or shared-cost papers, if any: review dues, reserves, rules, and deferred maintenance.
If you're weighing a Santa Cruz County purchase, we can help you read for risk, not just paperwork.