115 Santa Fe Rdg, Aptos, CA 95003 Property Records

Santa Cruz County property record for 115 Santa Fe Rdg, Aptos, CA 95003

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 3.5 ba · 3,694 sqft · built 1979
Lot Size	2.58 acres (112,385 sqft)
Owner	Individual Name on File
Last Sale	$1,300,000 (Mar 2019)
Tax Bill	$16,884 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-261-58`

Property Details

APN / Parcel Number

Primary APN	`041-261-58`
Alternative APN	`041-261-58-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Building Area	3,694 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Roof Material	Tile
Lot Area	112,385 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	115 SANTA FE RDG
City	APTOS
State	CA
Zip	95003-9643
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Legal Description	MAP D5 974
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1001
Census Tract	122204

Owner

115 Santa Fe Rdg, recreational vacant land, is owned and occupied by an individual who bought it in March 2019.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	115 SANTA FE RDG, APTOS, CA 95003-9643
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 13, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2019 · Amount on File
Deed Sale	Mar 13, 2019 · Amount on File
Prior Sale	Jan 12, 2004 · Amount on File
Deed Document Number	20196439
Prior Transfer Date	Apr 23, 2013
Prior Transfer Doc	0000033492
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	115 SANTA FE RDG, APTOS, CA 95003-9643
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036829
Date	Nov 1, 2017
Instrument	2017-0036829

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2047

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	115 SANTA FE RDG, APTOS, CA 95003-9643
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009295
Date	Mar 17, 2020
Instrument	2020-0009295

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 13, 2019
Property Address	115 SANTA FE RDG, APTOS, CA 95003-9643
Document Number	0000006439
Map Reference	VOL 26 PG 55
Instrument Date	Mar 7, 2019
Instrument	2019-0006439
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	115 SANTA FE RDG, APTOS, CA 95003-9643

Mortgage

Document Number	0000006440
Date	Mar 13, 2019
Instrument	2019-0006440

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 115 Santa Fe Rdg was $16,884.

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		$1,479,179 (+2%) Land $995,601 Building $483,578
2025	$16,884.00	$1,450,175 Land $976,079 Building $474,096
2023	$15,455.00 (+1.79%)	$1,393,863 Land $938,177 Building $455,686	$1,379,340
2022	$15,183.00

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

Flood

FEMA maps place 115 Santa Fe Rdg in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 115 Santa Fe Rdg is low, with a 0.06% annual chance of 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	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.

Drinking Water

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

Water System	CENTRAL WATER DISTRICT serves 2,726 people · EPA ID CA4410018
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 1 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, Etheric Networks, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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