103 Valencia Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 103 Valencia Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,280 sqft · built 1963
Lot Size	0.101 acres (4,400 sqft)
Owner	2 Company Names on Record
Tax Bill	$6,913 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`042-091-10`

Property Details

APN / Parcel Number

Primary APN	`042-091-10`
Alternative APN	`042-091-10-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,280 sqft Living Area
Gross Area	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,400 sqft (0.101 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	103 VALENCIA AVE
City	APTOS
State	CA
Zip	95003-4428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	SUBDIVISION
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2020
Census Tract	122100

Owner

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	103 VALENCIA AVE, APTOS, CA 95003-4428
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2020	Grant Deed, Transfer · Conventional Mortgage BAY FCU
Jul 27, 2020	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 22, 2020
Transfer Doc	0000027688
Record Updated	Sep 20, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 24, 2020
Property Address	103 VALENCIA AVE, APTOS, CA 95003-4428
Document Number	0000027585
Map Reference	VOL 23 PG 24
Instrument Date	Jul 20, 2020
Instrument	2020-0027585
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	103 VALENCIA AVE, APTOS, CA 95003-4428

Mortgage

Document Number	0000027586
Date	Jul 24, 2020
Instrument	2020-0027586

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 27, 2020
Property Address	103 VALENCIA AVE, APTOS, CA 95003-4428
Document Number	0000027688
Instrument Date	Jul 20, 2020
Instrument	27688
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	103 VALENCIA AVE APTOS CA 950034428, APTOS, CA 95003-4428

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$485,242 (+2%) Land $349,570 Building $135,672
2025	$6,913.00 (+11.3%) Homeowner's exemption	$475,728 (+4.04%) Land $342,716 Building $133,012
2023	$6,211.00 (+2.59%) Homeowner's exemption	$457,254 Land $329,408 Building $127,846	$1,010,880
2022	$6,054.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	57 (1978–2023)
Claims Outside the SFHA	3 of 57
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 17 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 8 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

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