105 Dunsmuir Ct, Aptos, CA 95003 Property Records

Santa Cruz County property record for 105 Dunsmuir Ct, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,569 sqft · built 1984
Lot Size	0.208 acres (9,060 sqft)
Owner	Individual Name on Record
Last Sale	$1,560,000 (May 2026)
Tax Bill	$13,120 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Mar 2023 Second Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`053-141-23`

Property Details

APN / Parcel Number

Primary APN	`053-141-23`
Alternative APN	`053-141-23-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	2,569 sqft Living Area
Gross Area	2,969 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2015
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	9,060 sqft (0.208 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	800 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	105 DUNSMUIR CT
City	APTOS
State	CA
Zip	95003-5253
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Description	TR 877
Legal Subdivision	SUMMERWOODS
Legal Tract	877
Legal Lot Number	23
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2001
Census Tract	122205

Owner

Source: Santa Cruz County records, as of August 24, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	105 DUNSMUIR CT, APTOS, CA 95003-5253
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Mar 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage STAR ONE CU
Feb 24, 2025	Deed of Trust, Mortgage · Line of Credit STAR ONE CU
May 19, 2026	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 24, 2026	Intrafamily Transfer, Transfer
May 17, 2017	Deed of Trust, Mortgage · ARM AMERICAN FIRST CU
Jul 9, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Jan 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Nov 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Apr 5, 2016 · Amount on Record
Deed Document Number	202611402
Prior Transfer Date	Jan 28, 2026
Prior Transfer Doc	0000003989
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	105 DUNSMUIR CT, APTOS, CA 95003-5253
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 DUNSMUIR CT, APTOS, CA 95003-5253

Mortgage

Document Number	0000018541
Date	Jun 21, 2022
Instrument	2022-0018541

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	105 DUNSMUIR CT, APTOS, CA 95003-5253
Transaction Type	Mortgage
Record Updated	Jun 5, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 DUNSMUIR CT, APTOS, CA 95003-5253

Mortgage

Document Number	0000003651
Date	Mar 3, 2023
Instrument	2023-0003651

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	105 DUNSMUIR CT, APTOS, CA 95003-5253
Transaction Type	Mortgage
Record Updated	Jun 5, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 DUNSMUIR CT, APTOS, CA 95003-5253

Mortgage

Document Number	0000003391
Date	Feb 24, 2025
Instrument	2025-0003391

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 19, 2026
Property Address	105 DUNSMUIR CT, APTOS, CA 95003-5253
Document Number	0000011402
Instrument Date	May 18, 2026
Instrument	202611402
Transaction Type	Transfer
Record Updated	Jun 1, 2026
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NATIONAL TITLE INSURANCE C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173,316.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	105 DUNSMUIR CT, APTOS, CA 95003-5253

Mortgage

Document Number	0000011403,
Date	May 19, 2026
Instrument	202611403

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 24, 2026
Property Address	105 DUNSMUIR CT, APTOS, CA 95003-5253
Document Number	0000003989
Map Reference	VOL 71 PG 3
Instrument Date	Jan 28, 2026
Instrument	2026-0003989
Transaction Type	Transfer
Record Updated	Mar 12, 2026

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 Living Trust
Address	618 S VIA BELMONTE CT, ARROYO GRANDE, CA 93420-4021

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	105 DUNSMUIR CT, APTOS, CA 95003-5253
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016239
Date	May 17, 2017
Instrument	2017-0016239

Lender

Name	AMERICAN FIRST CU
Type	Credit Union
Address	LA HABRA, CA 90631

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	10%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	105 DUNSMUIR CT, APTOS, CA 95003-5253
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018855
Date	Jul 9, 2019
Instrument	2019-0018855

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	8.62%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	105 DUNSMUIR CT, APTOS, CA 95003-5253
Document Number	0000003890
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	105 DUNSMUIR CT APTOS CA 950035253, APTOS, CA 95003-5253

Mortgage

Document Number	0000003890
Date	Feb 3, 2020
Instrument	3890

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	105 DUNSMUIR CT, APTOS, CA 95003-5253
Document Number	0000034975
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	105 DUNSMUIR CT APTOS CA 950035253, APTOS, CA 95003-5253

Mortgage

Document Number	0000034975
Date	Nov 12, 2019
Instrument	34975

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

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		$1,038,525 (+2%) Land $619,434 Building $419,091
2025	$13,120.00 (+10.02%)	$1,018,162 (+4.04%) Land $607,288 Building $410,874
2023	$11,925.00 (+2.7%)	$978,626 Land $583,707 Building $394,919	$1,301,130
2022	$11,611.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force

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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 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 574 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

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

Cell Coverage

5G and 4G LTE (outdoors only)

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