109 McKay Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 109 McKay Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,487 sqft · built 1963
Lot Size	0.299 acres (13,024 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,490 (2025)
Deeds & Mortgages	Jul 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`105-271-03`

Property Details

APN / Parcel Number

Primary APN	`105-271-03`
Alternative APN	`105-271-03-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,487 sqft Living Area
Gross Area	1,947 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	13,024 sqft (0.299 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	109 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

Owner

Source: Santa Cruz County records · APN 105-271-03

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	109 MCKAY RD, APTOS, CA 95003-9740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 20, 2021
Transfer Doc	0000040372
Record Updated	Sep 20, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 30, 2021
Property Address	109 MCKAY RD, APTOS, CA 95003-9740
Document Number	0000040372
Instrument Date	Jul 20, 2021
Instrument	2021-0040372
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	109 MCKAY RD, APTOS, CA 95003-9740

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		$92,486 (+2%) Land $18,824 Building $73,662
2025	$1,490.00 (+15.41%) Homeowner's exemption	$90,672 (+4.04%) Land $18,454 Building $72,218
2023	$1,291.00 (+2.46%) Homeowner's exemption	$87,152 Land $17,738 Building $69,414	$1,276,560
2022	$1,260.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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.

Internet Providers

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.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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	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

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.