1050 Larsen Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 1050 Larsen Rd, Aptos, CA 95003

Property Summary

Property Type	Recreational Vacant Land
Details	2 bd · 2 ba · 2,700 sqft · built 1975
Lot Size	0.973 acres (42,384 sqft)
Owner	2 Company Names on Record
Last Sale	$1,050,000 (Jul 2024)
Tax Bill	$12,744 (2025)
Deeds & Mortgages	Dec 2025 Transfer Dec 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`105-451-09`

Property Details

APN / Parcel Number

Primary APN	`105-451-09`
Alternative APN	`105-451-09-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Building Area	2,700 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Roof Material	Metal
Lot Area	42,384 sqft (0.973 acres)
Terrain	Steep
Deck Area	54 sqft
Patio Area	54 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1050 LARSEN RD
City	APTOS
State	CA
Zip	95003-2605
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	R-1-1AC
Legal Subdivision	SOQUEL AUGMENTATION RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122002

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	2 Company Names on Record
Mailing Address	PO BOX 2440, APTOS, CA 95001-2440
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Intrafamily Transfer, Transfer
Dec 10, 2025	Intrafamily Transfer, Transfer
Dec 6, 2023	Intrafamily Transfer, Transfer · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
May 4, 2018	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2024 · Amount on Record
Deed Sale	Jul 31, 2024 · Amount on Record
Deed Document Number	202414517
Prior Transfer Date	Jul 24, 2024
Prior Transfer Doc	0000014516
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 10, 2025
Property Address	1050 LARSEN RD, APTOS, CA 95003-2605
Document Number	0000026554
Map Reference	MB 1695 PG 631
Instrument Date	Dec 9, 2025
Instrument	2025-0026554
Transaction Type	Transfer
Record Updated	Dec 25, 2025

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
Address	PO BOX 2440, APTOS, CA 95001-2440

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 10, 2025
Property Address	1050 LARSEN RD, APTOS, CA 95003-2605
Document Number	0000026553
Map Reference	MB 1695 PG 631
Instrument Date	Dec 9, 2025
Instrument	2025-0026553
Transaction Type	Transfer
Record Updated	Dec 25, 2025

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	Community Property with Right of Survivorship
Address	PO BOX 2440, APTOS, CA 95001-2440

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 6, 2023
Property Address	1050 LARSEN RD, APTOS, CA 95003-2605
Document Number	0000023399
Instrument Date	Nov 22, 2023
Instrument	2023-0023399
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	NOT AVAILABLE, FNC TITLE OF CALIFORNIA

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
Address	1050 LARSEN RD, APTOS, CA 95003-2605

Mortgage

Document Number	0000023400
Date	Dec 6, 2023
Instrument	2023-0023400

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.83%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2024
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.8%

May 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	May 4, 2018
Property Address	1050 LARSEN RD, APTOS, CA 95003-2605
Document Number	0000013556
Instrument Date	May 3, 2018
Instrument	13556
Transaction Type	Transfer
Record Updated	Nov 21, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	716 OCEAN ST #100 SANTA CRUZ CA 950604032, 100, SANTA CRUZ, CA 95060-4032

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		$1,071,000 (+2%) Land $888,930 Building $182,070
2025	$12,744.00 (+798.73%)	$1,050,000 (+1,385.8%) Land $871,500 Building $178,500
2023	$1,418.00 (+3.2%) Homeowner's exemption	$70,669 Land $25,858 Building $44,811	$1,050,300
2022	$1,374.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 62% of California
Wildfire Likelihood	0.2% 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	TROUT GULCH MUTUAL WATER COMPANY private · serves 614 people · EPA ID CA4400502
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	4 ppb (2025–2027) 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Etheric Networks, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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