107 Osprey Ln, Aptos, CA 95003 Property Records

Santa Cruz County property record for 107 Osprey Ln, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,933 sqft · built 1979
Lot Size	1.13 acres (49,397 sqft)
Owner	Company Name on File
Tax Bill	$11,505 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`040-241-11`

Property Details

APN / Parcel Number

Primary APN	`040-241-11`
Alternative APN	`040-241-11-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,933 sqft Living Area
Gross Area	3,501 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	49,397 sqft
View / Lot	Ocean
Garage Type	Attached
Garage Area	568 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	400 sqft
Patio Area	400 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	109 OSPREY LN
City	APTOS
State	CA
Zip	95003-3432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-1AC
Legal Subdivision	DONALD M DILLINGHAM
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 · APN 040-241-11

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	Company Name on File
Mailing Address	109 OSPREY LN, APTOS, CA 95003-3432
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	109 OSPREY LN, APTOS, CA 95003-3432
Transaction Type	Mortgage
Record Updated	Aug 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021979
Date	Jun 22, 2020
Instrument	2020-0021979

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 12, 2050

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 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		$1,004,163 (+2%) Land $607,146 Building $397,017
2025	$11,505.00 (+9.56%) Homeowner's exemption	$984,473 (+4.04%) Land $595,241 Building $389,232
2023	$10,501.00 (+1.83%) Homeowner's exemption	$946,245 Land $572,127 Building $374,118	$1,118,070
2022	$10,312.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio Internet, Etheric Communications, LLC., Surfnet Communications, T-Mobile USA.

Based on FCC filings for 286 locations within half a mile of this property.

Drinking Water

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	SOQUEL CREEK WATER DISTRICT serves 40,962 people
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 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.