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San Lorenzo Valley
Watershed Septic System Loan Program

The County, working in conjunction with the California State Water Resources Control Board and the Central Coast Regional Water Quality Control Board, developed this program to address failing systems that may be contributing pollution to the San Lorenzo River. Ongoing management efforts have reduced the occurrence of septic system failure from 18% to 2% and there has been a substantial improvement in water quality of the San Lorenzo River.

To be eligible, applicants must own real property in the San Lorenzo River Watershed, have a failing septic system, and replace that system with an alternative technology system. Repair or replacement with a traditional septic system is not eligible for assistance through this program. All applicants wishing to participate in the loan program must receive certification from Environmental Health Services that their project is in compliance with the San Lorenzo Wastewater Management Plan, and have an approved septic permit application prior to loan approval. Applicants must also secure written bids to establish the cost of the project. Loans may cover the cost of permit, design, and installation, and will be made at an APR of approximately 5.25% and amortized for a period of up to 20 years.

Persons considering applying for a loan should contact Chris Coburn, Environmental Health Services, (831) 454-2763; or by email, at christopher.coburn@co.santa-cruz.ca.us.