Santa Cruz County property record for 116 Osprey Ln, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,272 sqft · built 1980 |
| Lot Size | 1.08 acres (47,393 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $1,185,000 (Sep 2017) |
| Tax Bill | $15,618 (2025) |
| Deeds & Mortgages | Mar 2021 Transfer Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-241-14 |
| Primary APN | 040-241-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,272 sqft Living Area |
| Gross Area | 3,672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 47,393 sqft |
| Terrain | Steep |
| View / Lot | Mountain |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 726 sqft |
| Patio Area | 726 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 116 OSPREY LN |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| 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 |
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 | 116 OSPREY LN, APTOS, CA 95003-3432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Mar 9, 2021 | Intrafamily Transfer, Transfer |
| Sep 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION |
| Sep 21, 2017 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2017 · Amount on Record |
| Deed Sale | Sep 21, 2017 · Amount on Record |
| Prior Sale | Jul 31, 2003 · Amount on Record |
| Deed Document Number | 201731494 |
| Last Transfer Date | Feb 19, 2021 |
| Transfer Doc | 0000014005 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 9, 2021 |
| Property Address | 116 OSPREY LN, APTOS, CA 95003-3432 |
| Document Number | 0000014005 |
| Map Reference | MB 29 PG 11 |
| Instrument Date | Feb 19, 2021 |
| Instrument | 2021-0014005 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 116 OSPREY LN, APTOS, CA 95003-3432 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 116 OSPREY LN, APTOS, CA 95003-3432 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORANGE COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 116 OSPREY LN, APTOS, CA 95003-3432 |
| Document Number | 0000037156 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 2020-0037156 |
| Name | OWNING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 21, 2017 |
| Property Address | 116 OSPREY LN, APTOS, CA 95003-3432 |
| Document Number | 0000031494 |
| Instrument Date | Aug 29, 2017 |
| Instrument | 31494 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,303.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 116 OSPREY LN APTOS CA 950033432, APTOS, CA 95003-3432 |
| Document Number | 31496 |
|---|---|
| Date | Sep 21, 2017 |
| Instrument | 31496 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2047 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,375,294 (+2%) Land $969,089 Building $406,205 | ||
| 2025 | $15,618.00 (+9.32%) Homeowner's exemption | $1,348,328 (+4.04%) Land $950,088 Building $398,240 | |
| 2023 | $14,286.00 (+1.8%) Homeowner's exemption | $1,295,971 Land $913,195 Building $382,776 | $1,387,440 |
| 2022 | $14,033.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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, Etheric Networks, Surfnet Communications, T-Mobile.
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