112 Osprey Ln, Aptos, CA 95003 Property Records

Santa Cruz County property record for 112 Osprey Ln, Aptos, CA 95003

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 2 ba · 3,218 sqft · built 1992
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on File
Tax Bill	$10,254 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040-241-13`

Property Details

APN / Parcel Number

Primary APN	`040-241-13`
Alternative APN	`040-241-13-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	3,218 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Wood
Lot Area	44,867 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	518 sqft
Parking Spaces	2 Parking Spaces
Deck Area	205 sqft
Patio Area	205 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	112 OSPREY LN
City	APTOS
State	CA
Zip	95003-3432
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	R-1-1AC
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1016
Census Tract	122002

Owner

Source: Santa Cruz County assessment roll, 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	Individual Name on File
Mailing Address	PO BOX 1168, APTOS, CA 95001-1168
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Feb 22, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Apr 3, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Apr 25, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

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

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 29, 2020
Property Address	112 OSPREY LN, APTOS, CA 95003-3432
Document Number	0000056837
Map Reference	MB 29 PG 11
Instrument Date	Nov 9, 2020
Instrument	2020-0056837
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	TICOR TITLE COMPANY OF CA

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	Joint Tenants
Address	112 OSPREY LN, APTOS, CA 95003-3432
Investor	Possibly a Property Investor

Mortgage

Document Number	0000056838
Date	Dec 29, 2020
Instrument	2020-0056838

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 22, 2021
Property Address	112 OSPREY LN, APTOS, CA 95003-3432
Document Number	0000010768
Map Reference	MB 29 PG 11
Instrument Date	Nov 9, 2020
Instrument	2021-0010768
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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	Living Trust
Address	112 OSPREY LN, APTOS, CA 95003-3432
Investor	Possibly a Property Investor

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	112 OSPREY LN, APTOS, CA 95003-3432
Document Number	0000012321
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	May 6, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1168 APTOS CA 950011168, APTOS, CA 95001-1168

Mortgage

Document Number	0000012321
Date	Apr 10, 2020
Instrument	12321

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	112 OSPREY LN, APTOS, CA 95003-3432
Document Number	0000011781
Instrument Date	Apr 25, 2019
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1168 APTOS CA 950011168, APTOS, CA 95001-1168

Mortgage

Document Number	0000011781
Date	May 6, 2019
Instrument	11781

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	Assessed Market Value
2026		$884,198 (+2%) Land $468,623 Building $415,575
2025	$10,254.00 (+9.62%)	$866,860 (+4.04%) Land $459,434 Building $407,426
2023	$9,354.00 (+1.84%)	$833,199 Land $441,594 Building $391,605	$1,753,830
2022	$9,185.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 44% of the US · lower than 74% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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