110 McKay Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 110 McKay Rd, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,042 sqft · built 1983
Lot Size	0.227 acres (9,888 sqft)
Owner	2 Company Names on File
Tax Bill	$6,177 (2025)
Deeds & Mortgages	Nov 2025 Transfer Nov 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-272-02`

Property Details

APN / Parcel Number

Primary APN	`105-272-02`
Alternative APN	`105-272-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,042 sqft Living Area
Gross Area	2,495 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	9,888 sqft (0.227 acres)
Garage Type	Attached
Garage Area	453 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Enclosed Pool
Deck Area	419 sqft
Patio Area	419 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	110 MCKAY RD
City	APTOS
State	CA
Zip	95003-9740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SOQUEL AUGMENTATION RHO
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 105-272-02

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 Company Names on File
Mailing Address	110 MCKAY RD, APTOS, CA 95003-9740
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Intrafamily Transfer, Transfer
Nov 12, 2025	Intrafamily Transfer, Transfer
Aug 09, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE LENDING

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Nov 07, 2025
Transfer Doc	0000024238
Record Updated	Sep 20, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 12, 2025
Property Address	110 MCKAY RD, APTOS, CA 95003-9740
Document Number	0000024237
Instrument Date	Nov 07, 2025
Instrument	2025-0024237
Transaction Type	Transfer
Record Updated	Nov 27, 2025

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
Address	110 MCKAY RD, APTOS, CA 95003-9740

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 12, 2025
Property Address	110 MCKAY RD, APTOS, CA 95003-9740
Document Number	0000024238
Map Reference	VOL 1507 PG 290
Instrument Date	Nov 07, 2025
Instrument	2025-0024238
Transaction Type	Transfer
Record Updated	Nov 27, 2025

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	Family Trust
Address	110 MCKAY RD, APTOS, CA 95003-9740

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	110 MCKAY RD, APTOS, CA 95003-9740
Transaction Type	Mortgage
Record Updated	Aug 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 MCKAY RD, APTOS, CA 95003-9740

Mortgage

Document Number	0000041590
Date	Aug 09, 2021
Instrument	2021-0041590

Lender

Name	UNITED WHOLESALE LENDING
Type	Non-Lending Institution
Address	SACRAMENTO, CA 95814

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

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		$515,346 (+2%) Land $146,434 Building $368,912
2025	$6,177.00 (+8.43%) Homeowner's exemption	$505,240 (+4.04%) Land $143,562 Building $361,678
2024	$5,697.00 (+1.66%)
2023	$5,604.00 (+1.91%) Homeowner's exemption	$485,622 Land $137,988 Building $347,634	$1,042,020
2022	$5,499.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 28% of California
Wildfire Likelihood	About 1 in 1,042 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 46 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Surfnet Communications	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

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

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