11 Bear Valley Rdg, Aptos, CA 95003 Property Records

Santa Cruz County property record for 11 Bear Valley Rdg, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,123 sqft · built 1980
Lot Size	4.66 acres (203,207 sqft)
Owner	2 Trust Names on Record
Tax Bill	$11,731 (2025)
Deeds & Mortgages	Feb 2021 Second Mortgage Dec 2020 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`105-141-37`

Property Details

APN / Parcel Number

Primary APN	`105-141-37`
Alternative APN	`105-141-37-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Building Area	3,123 sqft Living Area
Gross Area	3,717 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Tile
Lot Area	203,207 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,058 sqft
Patio Area	1,058 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	11 BEAR VALLEY RDG
City	APTOS
State	CA
Zip	95003-9804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
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	2 Trust Names on Record
Mailing Address	11 BEAR VALLEY RDG, APTOS, CA 95003-9804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Dec 17, 2020	Quit Claim Deed, Transfer AMROCK TITLE CA INC
Dec 17, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
May 4, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 22, 2016	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 24, 2020
Transfer Doc	0000054707
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	11 BEAR VALLEY RDG, APTOS, CA 95003-9804
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 BEAR VALLEY RDG, APTOS, CA 95003-9804

Mortgage

Document Number	0000007283
Date	Feb 8, 2021
Instrument	2021-0007283

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 17, 2020
Property Address	11 BEAR VALLEY RDG, APTOS, CA 95003-9804
Document Number	0000054709
Instrument Date	Jul 24, 2020
Instrument	54709
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	AMROCK TITLE CA INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	11 BEAR VALLEY RDG APTOS CA 950039804, APTOS, CA 95003-9804

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 17, 2020
Property Address	11 BEAR VALLEY RDG, APTOS, CA 95003-9804
Document Number	0000054707
Instrument Date	Jul 24, 2020
Instrument	2020-0054707
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	11 BEAR VALLEY RDG, APTOS, CA 95003-9804

Mortgage

Document Number	0000054708
Date	Dec 17, 2020
Instrument	2020-0054708

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	308 Months
Due	Aug 1, 2046

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 4, 2018
Property Address	11 BEAR VALLEY RDG, APTOS, CA 95003-9804
Document Number	0000013626
Instrument Date	Mar 21, 2018
Instrument	13626
Transaction Type	Transfer
Record Updated	May 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	11 BEAR VALLEY RDG APTOS CA 950039804, APTOS, CA 95003-9804

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	11 BEAR VALLEY RDG, APTOS, CA 95003-9804
Document Number	0000044392
Instrument Date	Dec 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 18, 2018
Title Company	TSI TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 BEAR VALLEY RDG APTOS CA 950039804, APTOS, CA 95003-9804

Mortgage

Document Number	0000044392
Date	Dec 29, 2017
Instrument	44392

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	11 BEAR VALLEY RDG, APTOS, CA 95003-9804
Document Number	0000000166
Instrument Date	Dec 22, 2016
Transaction Type	Mortgage
Record Updated	Jan 13, 2017
Title Company	TSI TITLE COMPANY/CA INC, TSI TITLE CO/CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	501 BEAR VALLEY RD APTOS CA 950039744, APTOS, CA 95003-9744

Mortgage

Document Number	0000000166
Date	Jan 4, 2017
Instrument	166

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 3, 2037

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
2026		$986,247 (+2%) Land $382,835 Building $603,412
2025	$11,731.00 (+9.45%) Homeowner's exemption	$966,910 (+4.04%) Land $375,329 Building $591,581
2023	$10,718.00 (+1.94%) Homeowner's exemption	$929,363 Land $360,754 Building $568,609
2022	$10,514.00

Assessed value is set for property tax purposes and is not a market price estimate.

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 56% of the US · lower than 66% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

Cell Coverage

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

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