Santa Cruz County property record for 106 McKay Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,616 sqft · built 1975 |
| Lot Size | 0.212 acres (9,235 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $790,000 (Aug 2019) |
| Tax Bill | $10,231 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Mar 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-272-11 |
| Primary APN | 105-272-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,616 sqft Living Area |
| Gross Area | 2,006 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 9,235 sqft (0.212 acres) |
| Garage Type | Attached |
| Garage Area | 390 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 286 sqft |
| Patio Area | 286 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 106 MCKAY RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-9740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 122204 |
Source: Santa Cruz County records · APN 105-272-11
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 Individual Names on File |
|---|---|
| Mailing Address | 106 MCKAY RD, APTOS, CA 95003-9740 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 15, 2022 | Deed of Trust, Mortgage · Line of Credit FREMONT BANK |
| Mar 25, 2021 | Deed of Trust, Mortgage · Line of Credit FREMONT BANK |
| Sep 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK |
| Aug 27, 2019 | Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 27, 2019 · Amount on Record |
| Deed Sale | Aug 27, 2019 · Amount on Record |
| Prior Sale | Oct 31, 2007 · Amount on Record |
| Deed Document Number | 201924857 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 106 MCKAY RD, APTOS, CA 95003-9740 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 106 MCKAY RD, APTOS, CA 95003-9740 |
| Document Number | 0000023241 |
|---|---|
| Date | Aug 15, 2022 |
| Instrument | 2022-0023241 |
| Name | FREMONT BANK |
|---|---|
| Type | Bank |
| Address | LIVERMORE, CA 94551 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 20, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 106 MCKAY RD, APTOS, CA 95003-9740 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 106 MCKAY RD, APTOS, CA 95003-9740 |
| Document Number | 0000017356 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 2021-0017356 |
| Name | FREMONT BANK |
|---|---|
| Type | Bank |
| Address | LIVERMORE, CA 94551 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 20, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 106 MCKAY RD, APTOS, CA 95003-9740 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 106 MCKAY RD, APTOS, CA 95003-9740 |
| Document Number | 0000035314 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | 2020-0035314 |
| Name | FREMONT BANK |
|---|---|
| Type | Bank |
| Address | LIVERMORE, CA 94551 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 27, 2019 |
| Property Address | 106 MCKAY RD, APTOS, CA 95003-9740 |
| Document Number | 0000024857 |
| Instrument Date | Aug 16, 2019 |
| Instrument | 2019-0024857 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 106 MCKAY RD, APTOS, CA 95003-9740 |
| Document Number | 0000024858 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 2019-0024858 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
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 | $881,148 (+2%) Land $613,535 Building $267,613 | ||
| 2025 | $10,231.00 (+9.61%) Homeowner's exemption | $863,871 (+4.04%) Land $601,505 Building $262,366 | |
| 2023 | $9,334.00 (+1.83%) Homeowner's exemption | $830,326 Land $578,148 Building $252,178 | $1,290,420 |
| 2022 | $9,166.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · 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 |
| Wildfire Risk | Moderate above 47% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; 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) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
| Surfnet Communications Fixed Wireless | 100 / 20 |
Based on FCC filings for 46 locations within half a mile of this property.
4G LTE (outdoors only), no 5G reported
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 | CENTRAL WATER DISTRICT serves 2,726 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2022 |
| Lead | Under 1 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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