103 Winfield Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 103 Winfield Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,106 sqft · built 1930
Lot Size	0.041 acres (1,786 sqft)
Owner	Individual Name on Record
Last Sale	$1,305,000 (Sep 2025)
Tax Bill	$15,027 (2025)
Deeds & Mortgages	Sep 2025 Sale Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`042-121-19`

Property Details

APN / Parcel Number

Primary APN	`042-121-19`
Alternative APN	`042-121-19-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,106 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2018
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	1,786 sqft (0.041 acres)
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	103 WINFIELD WAY
City	APTOS
State	CA
Zip	95003-4528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-3.5
Legal Subdivision	APTOS BEACH CC PROPERTIES
Legal Block	58
Legal Lot Number	38
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3017
Census Tract	122205

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	Individual Name on Record
Mailing Address	103 WINFIELD WAY, APTOS, CA 95003-4528
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Aug 20, 2021	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 13, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Aug 20, 2021 · Amount on Record
Deed Document Number	202519204
Prior Transfer Date	Jun 6, 2016
Prior Transfer Doc	0000020733
Record Updated	Sep 20, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 12, 2025
Property Address	103 WINFIELD WAY, APTOS, CA 95003-4528
Document Number	0000019204
Map Reference	MB 23 PG 25
Instrument Date	Sep 10, 2025
Instrument	2025-0019204
Transaction Type	Transfer
Record Updated	Sep 26, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,435.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 WINFIELD WAY, APTOS, CA 95003-4528

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 20, 2021
Property Address	103 WINFIELD WAY, APTOS, CA 95003-4528
Document Number	0000043447
Map Reference	MB 23 PG 25
Instrument Date	Aug 16, 2021
Instrument	2021-0043447
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	103 WINFIELD WAY # D, D, APTOS, CA 95003-4528

Mortgage

Document Number	0000043448
Date	Aug 20, 2021
Instrument	2021-0043448

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CRUZ CA
Property Address	103 WINFIELD WAY, APTOS, CA 95003-4528
Document Number	0000039409
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3150 ALMADEN EXPY #204 SAN JOSE CA 951181253, 204, SAN JOSE, CA 95118-1253

Mortgage

Document Number	0000039409
Date	Dec 13, 2019
Instrument	39409

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Dec 12, 2059

Interest

Rate	4.5%

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		$1,305,000 (+9.31%) Land $913,500 Building $391,500
2025	$15,027.00 (+9.87%) Homeowner's exemption	$1,193,858 (+4.04%) Land $848,966 Building $344,892
2023	$13,677.00 (+1.54%) Homeowner's exemption	$1,147,500 Land $816,000 Building $331,500	$1,093,050
2022	$13,469.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 63 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	7 (2023)
Most Recent Claim	Sep 2023 · tidal / storm surge
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 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 564 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	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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