Santa Cruz County property record for 104 Zanzibar Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,008 sqft · built 2005 |
| Lot Size | 0.826 acres (35,981 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,295,500 (Aug 2022) |
| Tax Bill | $16,846 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 053-172-16 |
| Primary APN | 053-172-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 3,008 sqft Living Area |
| Gross Area | 3,583 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 35,981 sqft (0.826 acres) |
| Terrain | Steep |
| View / Lot | Mountain |
| Garage Type | Attached |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 731 sqft |
| Patio Area | 731 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 104 ZANZIBAR DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6 |
| Legal Subdivision | 1304 SEASCAPE UPLANDS |
| Legal Lot Number | 106 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 122202 |
Source: Santa Cruz County records · APN 053-172-16
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 104 ZANZIBAR DR, APTOS, CA 95003-5541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2022 | Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Jan 03, 2022 | Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY |
| Feb 01, 2019 | Intrafamily Transfer, Transfer · ARM MUFG UNION BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 24, 2022 · Amount on Record |
| Deed Sale | Aug 24, 2022 · Amount on Record |
| Prior Sale | Jan 03, 2022 · Amount on Record |
| Deed Document Number | 202224042 |
| Prior Transfer Date | Jan 29, 2019 |
| Prior Transfer Doc | 0000002735 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 24, 2022 |
| Property Address | 104 ZANZIBAR DR, APTOS, CA 95003-5541 |
| Document Number | 0000024042 |
| Map Reference | MB 93 PG 22 |
| Instrument Date | Aug 20, 2022 |
| Instrument | 2022-0024042 |
| Transaction Type | Transfer |
| Record Updated | Sep 08, 2022 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,425.05 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 ZANZIBAR DR, APTOS, CA 95003-5541 |
| Document Number | 0000024043 |
|---|---|
| Date | Aug 24, 2022 |
| Instrument | 2022-0024043 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Sep 01, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.25% |
| Index | Other |
| Max Rate | 9.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 104 ZANZIBAR DR, APTOS, CA 95003-5541 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | LAWYERS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2820 HACIENDA ST, SAN MATEO, CA 94403-2739 |
| Document Number | 0000002957 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 2021-0002957 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 03, 2022 |
| Property Address | 104 ZANZIBAR DR, APTOS, CA 95003-5541 |
| Document Number | 0000000150 |
| Map Reference | MB 93 PG 22 |
| Instrument Date | Dec 28, 2021 |
| Instrument | 2022-0000150 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,425.05 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 211 GEYER RD, SCOTTS VALLEY, CA 95066-2906 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Feb 01, 2019 |
| Property Address | 104 ZANZIBAR DR, APTOS, CA 95003-5541 |
| Document Number | 0000002735 |
| Map Reference | MB 93 PG 22 |
| Instrument Date | Jan 29, 2019 |
| Instrument | 2019-0002735 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | LAWYERS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 2820 HACIENDA ST, SAN MATEO, CA 94403-2739 |
| Document Number | 0000002736 |
|---|---|
| Date | Feb 01, 2019 |
| Instrument | 2019-0002736 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Feb 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.75% |
| Index | 1-Year LIBOR |
| Max Rate | 10.7% |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,374,662 (+2%) Land $764,037 Building $610,625 | ||
| 2025 | $16,846.00 (+9.72%) | $1,347,708 (+4.04%) Land $749,056 Building $598,652 | |
| 2023 | $15,353.00 (+3.05%) | $1,295,375 Land $719,969 Building $575,406 | $1,245,420 |
| 2022 | $14,899.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 4 in force |
| Nearby Flood Claims | 6 (1982–2016) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Mar 2016 · rainfall accumulation |
| Wildfire Risk | Low lower than 64% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Etheric Communications, LLC. Fixed Wireless | 250 / 100 |
| Surfnet Communications Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Cruzio Internet, Razzolink, T-Mobile USA, Verizon.
Based on FCC filings for 154 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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