1126 Trout Gulch Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 1126 Trout Gulch Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,261 sqft · built 1948
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,059 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`041-081-33`

Property Details

APN / Parcel Number

Primary APN	`041-081-33`
Alternative APN	`041-081-33-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,261 sqft Living Area
Gross Area	1,481 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Deck Area	578 sqft
Patio Area	578 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1126 TROUT GULCH RD
City	APTOS
State	CA
Zip	95003-3002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	FOREST GLEN 01
Legal Lot Number	22
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1023
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 Individual Names on Record
Mailing Address	1126 TROUT GULCH RD, APTOS, CA 95003-3002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage PATELCO CU
Dec 13, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 9, 2020
Transfer Doc	0000048184
Record Updated	Sep 20, 2026

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 13, 2020
Property Address	1126 TROUT GULCH RD, APTOS, CA 95003-3002
Document Number	0000048184
Map Reference	MB 18 PG 55
Instrument Date	Nov 9, 2020
Instrument	2020-0048184
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	PLACER TITLE COMPANY

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 with Right of Survivorship
Address	1126 TROUT GULCH RD, APTOS, CA 95003-3002

Mortgage

Document Number	0000048185
Date	Nov 13, 2020
Instrument	2020-0048185

Lender

Name	PATELCO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

Mortgage

Document Number	0000048186
Date	Nov 13, 2020
Instrument	2020-0048186

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 30, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Min Rate At Change	0.12%
Max Rate	0.04%

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 13, 2018
Property Address	1126 TROUT GULCH RD, APTOS, CA 95003-3002
Document Number	0000037304
Instrument Date	Dec 10, 2018
Instrument	37304
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1126 TROUT GULCH RD APTOS CA 950033002, APTOS, CA 95003-3002

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		$238,972 (+2%) Land $119,486 Building $119,486
2025	$3,059.00 (+12.01%) Homeowner's exemption	$234,284 (+4.04%) Land $117,142 Building $117,142
2023	$2,731.00 (+1.56%) Homeowner's exemption	$225,188 Land $112,594 Building $112,594	$676,530
2022	$2,689.00

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	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TROUT GULCH MUTUAL WATER COMPANY private · serves 614 people · EPA ID CA4400502
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	4 ppb (2025–2027) 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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

4G LTE only, no 5G reported

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