Santa Cruz County property record for 109 Zanzibar Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,133 sqft · built 2004 |
| Lot Size | 0.427 acres (18,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,130,000 (Jul 2009) |
| Tax Bill | $18,100 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 053-172-12 |
| Primary APN | 053-172-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 3,133 sqft Living Area |
| Gross Area | 3,605 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 18,600 sqft (0.427 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 472 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 681 sqft |
| Patio Area | 681 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 109 ZANZIBAR DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6 |
| Legal Subdivision | SEASCAPE UPLANDS |
| Legal Lot Number | 85 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 122202 |
109 Zanzibar Dr is owned and occupied by two individuals who acquired it in October 2009.
Source: Santa Cruz County records, as of August 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 ZANZIBAR DR, APTOS, CA 95003-5540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2009 · Amount on File |
| Deed Sale | Jul 7, 2009 · Amount on File |
| Prior Sale | Sep 4, 2003 · Amount on File |
| Deed Document Number | 200932718 |
| Last Transfer Date | Oct 27, 2009 |
| Transfer Doc | 0000051910 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 109 ZANZIBAR DR, APTOS, CA 95003-5540 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 109 ZANZIBAR DR, APTOS, CA 95003-5540 |
| Document Number | 0000017029 |
|---|---|
| Date | Mar 24, 2021 |
| Instrument | 2021-0017029 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2036 |
The 2025 property tax bill for 109 Zanzibar Dr was $18,100.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,487,808 (+2%) Land $669,514 Building $818,294 | ||
| 2025 | $18,100.00 | $1,458,636 Land $656,386 Building $802,250 | |
| 2023 | $16,507.00 (+2.05%) | $1,401,994 Land $630,898 Building $771,096 | $1,870,380 |
| 2022 | $16,176.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Zanzibar Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.
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 | 4 in force |
| Nearby Flood Claims | 6 (1982–2016) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Mar 2016 · rainfall accumulation |
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 risk around 109 Zanzibar Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications, T-Mobile.
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