115 Norman Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 115 Norman Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,312 sqft · built 2011
Lot Size	1.58 acres (68,868 sqft)
Owner	2 Trust Names on Record
Last Sale	$930,000 (May 2011)
Tax Bill	$14,165 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-111-13`

Property Details

APN / Parcel Number

Primary APN	`041-111-13`
Alternative APN	`041-111-13-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,312 sqft Living Area
Gross Area	2,834 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	68,868 sqft
View / Lot	Ocean
Garage Type	Attached
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces
Deck Area	675 sqft
Patio Area	675 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	115 NORMAN RD
City	APTOS
State	CA
Zip	95003-9756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
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 Trust Names on Record
Mailing Address	115 NORMAN RD, APTOS, CA 95003-9756
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 15, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Mar 18, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2011 · Amount on Record
Deed Sale	May 6, 2011 · Amount on Record
Deed Document Number	201118771
Last Transfer Date	Mar 13, 2019
Transfer Doc	0000006754
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	115 NORMAN RD, APTOS, CA 95003-9756
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	NOVARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 NORMAN RD, APTOS, CA 95003-9756

Mortgage

Document Number	0000011184
Date	Feb 23, 2021
Instrument	2021-0011184

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2031

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	115 NORMAN RD, APTOS, CA 95003-9756
Document Number	0000022997
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	115 NORMAN RD APTOS CA 950039756, APTOS, CA 95003-9756

Mortgage

Document Number	0000022997
Date	Jun 29, 2020
Instrument	22997

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 18, 2019
Property Address	115 NORMAN RD, APTOS, CA 95003-9756
Document Number	0000006754
Instrument Date	Mar 13, 2019
Instrument	6754
Transaction Type	Transfer
Record Updated	Apr 3, 2019
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	115 NORMAN RD APTOS CA 950039756, APTOS, CA 95003-9756

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		$1,225,033 (+2%) Land $692,605 Building $532,428
2025	$14,165.00 (+9.26%) Homeowner's exemption	$1,201,013 (+4.04%) Land $679,025 Building $521,988
2023	$12,965.00 (+1.87%) Homeowner's exemption	$1,154,376 Land $652,657 Building $501,719	$1,444,500
2022	$12,727.00

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	0.05% 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.

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

5G (outdoors only) and 4G LTE

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