104 Vista Mar Ct, Aptos, CA 95003 Property Records

Santa Cruz County property record for 104 Vista Mar Ct, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,688 sqft · built 1998
Lot Size	0.142 acres (6,186 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,217 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Aug 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`040-213-15`

Property Details

APN / Parcel Number

Primary APN	`040-213-15`
Alternative APN	`040-213-15-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,688 sqft Living Area
Gross Area	2,088 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,186 sqft (0.142 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	148 sqft
Patio Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	104 VISTA MAR CT
City	APTOS
State	CA
Zip	95003-3925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	BLK 1 LOT 7
Legal Subdivision	MONTE TOYON/RIO DEL MAR BAY
Legal Block	1
Legal Lot Number	7
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1016
Census Tract	122002

Owner

104 Vista Mar Ct is owned and occupied by two individuals who acquired it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	104 VISTA MAR CT, APTOS, CA 95003-3925
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Intrafamily Transfer, Transfer · Line of Credit BAY FCU
Aug 25, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2023
Deed Sale	Jul 19, 2023
Prior Sale	Jun 9, 1998 · Amount on File
Deed Document Number	202313211
Prior Transfer Date	Jul 20, 2022
Prior Transfer Doc	0000024262
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 19, 2023
Property Address	104 VISTA MAR CT, APTOS, CA 95003-3925
Document Number	0000013211
Map Reference	VOL 24 PG 22
Instrument Date	Jul 13, 2023
Instrument	2023-0013211
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 VISTA MAR CT, APTOS, CA 95003-3925

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	104 VISTA MAR CT, APTOS, CA 95003-3925

Mortgage

Document Number	0000013212
Date	Jul 19, 2023
Instrument	2023-0013212

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Sep 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 25, 2022
Property Address	104 VISTA MAR CT, APTOS, CA 95003-3925
Document Number	0000024262
Map Reference	VOL 24 PG 22
Instrument Date	Jul 20, 2022
Instrument	2022-0024262
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	Revocable Living Trust
Address	104 VISTA MAR CT, APTOS, CA 95003-3925

Tax Assessment & Valuation

The 2025 property tax bill for 104 Vista Mar Ct was $7,217 with a homeowner's exemption.

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		$513,047 (+2%) Land $268,738 Building $244,309
2025	$7,217.00	$502,987 Land $263,468 Building $239,519
2023	$6,490.00 (+2.56%) Homeowner's exemption	$483,455 (+2%) Land $253,237 Building $230,218	$926,820
2022	$6,328.00 Homeowner's exemption	$473,976 Land $248,272 Building $225,704

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

Flood

FEMA maps place 104 Vista Mar Ct in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1982.

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

Wildfire risk around 104 Vista Mar Ct is moderate, ranking above 43% of the US, with a 0.07% annual chance of 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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