103 Vista Mar Ct, Aptos, CA 95003 Property Records

Santa Cruz County property record for 103 Vista Mar Ct, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,161 sqft · built 1976
Lot Size	0.141 acres (6,142 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Nov 2002)
Tax Bill	$3,321 (2025)
Deeds & Mortgages	May 2022 Transfer May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-212-26`

Property Details

APN / Parcel Number

Primary APN	`040-212-26`
Alternative APN	`040-212-26-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,161 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,142 sqft (0.141 acres)
Terrain	Steep
View / Lot	Ocean
Deck Area	236 sqft
Patio Area	236 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	103 VISTA MAR CT
City	APTOS
State	CA
Zip	95003-3924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	MONTE TOYON 01
Legal Block	2
Legal Lot Number	9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1018
Census Tract	122002

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 Individual Names on Record
Mailing Address	103 VISTA MAR CT, APTOS, CA 95003-3924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Intrafamily Transfer, Transfer
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Feb 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage SANTA CRUZ HM FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2002 · Amount on Record
Deed Sale	Nov 1, 2002 · Amount on Record
Deed Document Number	200280092
Last Transfer Date	May 5, 2022
Transfer Doc	0000014589
Record Updated	Sep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 6, 2022
Property Address	103 VISTA MAR CT, APTOS, CA 95003-3924
Document Number	0000014589
Map Reference	MB 24 PG 22
Instrument Date	May 5, 2022
Instrument	2022-0014589
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	103 VISTA MAR CT, APTOS, CA 95003-3924

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	103 VISTA MAR CT, APTOS, CA 95003-3924
Transaction Type	Mortgage
Record Updated	Jun 2, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 VISTA MAR CT, APTOS, CA 95003-3924

Mortgage

Document Number	0000028388
Date	May 19, 2021
Instrument	2021-0028388

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	103 VISTA MAR CT, APTOS, CA 95003-3924
Document Number	0000005145
Instrument Date	Feb 1, 2017
Transaction Type	Mortgage
Record Updated	Mar 8, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 VISTA MAR CT APTOS CA 950033924, APTOS, CA 95003-3924

Mortgage

Document Number	0000005145
Date	Feb 10, 2017
Instrument	5145

Lender

Name	SANTA CRUZ HM FIN
Type	Funding / Finance Company
Address	SANTA CRUZ, CA 95062

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2047

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		$161,567 (+2%) Land $48,436 Building $113,131
2025	$3,321.00 (+14.28%) Homeowner's exemption	$158,399 (+4.04%) Land $47,487 Building $110,912
2023	$2,906.00 (+0.87%) Homeowner's exemption	$152,249 Land $45,643 Building $106,606	$974,970
2022	$2,881.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 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	Moderate above 43% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: AT&T, Cruzio, Surfnet Communications, T-Mobile, Verizon.

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