105 Stephen Rd, #4, Aptos, CA 95003 Property Records

Santa Cruz County property record for 105 Stephen Rd, #4, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Quadplex
Details	4 bd · 4 ba · 2,532 sqft · built 1932
Lot Size	0.042 acres (1,830 sqft)
Owner	2 Company Names on File
Tax Bill	$6,232 (2025)
Flood Zone	Zone AE (high risk)
APN	`042-141-22`

Property Details

APN / Parcel Number

Primary APN	`042-141-22`
Alternative APN	`042-141-22-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	2,532 sqft Living Area

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Quadruplex
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	1,830 sqft (0.042 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	105 STEPHEN RD, 1
City	APTOS
State	CA
Zip	95003-4524
Property Category	Residential
Property Type	Residential > Multi-Unit > Quadplex
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3023
Census Tract	122205

Owner

Source: Santa Cruz County records · APN 042-141-22

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	2 Company Names on File
Mailing Address	PO BOX 1604, CAPITOLA, CA 95010-1604
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Feb 17, 2025
Transfer Doc	0000002886
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2026		$130,806 (+2%) Land $45,741 Building $85,065
2025	$6,232.00 (+13.87%)	$128,241 (+4.04%) Land $44,844 Building $83,397
2023	$5,473.00 (+4.47%)	$123,261 Land $43,102 Building $80,159
2022	$5,239.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871222053, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 63 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	63 in force 37 of 63 on primary residences
Nearby Flood Claims	7 (2023)
Most Recent Claim	Sep 2023, tidal / storm surge
Flood Events	Severe Winter Storms, Flooding, Landslides, And Mudslides (Jan 2023), 6 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.