1051 Cathedral Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 1051 Cathedral Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 665 sqft · built 1935
Lot Size	0.376 acres (16,379 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (Sep 2020)
Tax Bill	$7,718 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-121-05`

Property Details

APN / Parcel Number

Primary APN	`040-121-05`
Alternative APN	`040-121-05-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	665 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	16,379 sqft (0.376 acres)
Terrain	Steep
Deck Area	506 sqft
Patio Area	506 sqft

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Street Address	1051 CATHEDRAL DR
City	APTOS
State	CA
Zip	95003-2906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	MONTE TOYON/RIO DEL MAR 01
Legal Lot Number	12-14
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1016
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	Individual Name on Record
Mailing Address	1051 CATHEDRAL DR, APTOS, CA 95003-2906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Jan 25, 2021	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Sep 30, 2020	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2020 · Amount on Record
Deed Sale	Sep 30, 2020 · Amount on Record
Prior Sale	Jul 15, 2005 · Amount on Record
Deed Document Number	202039312
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1051 CATHEDRAL DR, APTOS, CA 95003-2906
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1051 CATHEDRAL DR, APTOS, CA 95003-2906

Mortgage

Document Number	0000057715
Date	Nov 24, 2021
Instrument	2021-0057715

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 25, 2021
Property Address	1051 CATHEDRAL DR, APTOS, CA 95003-2906
Document Number	0000003892
Instrument Date	Jan 18, 2021
Instrument	3892
Transaction Type	Transfer
Record Updated	Feb 11, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1051 CATHEDRAL DR APTOS CA 950032906, APTOS, CA 95003-2906

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 30, 2020
Property Address	1051 CATHEDRAL DR, APTOS, CA 95003-2906
Document Number	0000039312
Map Reference	MB 24 PG 22
Instrument Date	Sep 25, 2020
Instrument	2020-0039312
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1051 CATHEDRAL DR, APTOS, CA 95003-2906

Mortgage

Document Number	0000039313
Date	Sep 30, 2020
Instrument	2020-0039313

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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		$632,087 (+2%) Land $488,556 Building $143,531
2025	$7,718.00 (-1.34%) Homeowner's exemption	$619,692 (-7.86%) Land $478,976 Building $140,716
2023	$7,823.00 (+1.81%)	$672,525 Land $538,545 Building $133,980	$635,940
2022	$7,684.00

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	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 67% of the US · above 41% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 40 locations within half a mile, as of December 31, 2025

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

May also be available: Cruzio, Surfnet Communications.

Cell Coverage

No cell data coverage reported

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