1180 Day Valley Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 1180 Day Valley Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,228 sqft · built 1974
Lot Size	1.1 acres (47,960 sqft)
Owner	2 Individual Names on File
Last Sale	$810,000 (Jul 2015)
Tax Bill	$11,305 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`105-161-24`

Property Details

APN / Parcel Number

Primary APN	`105-161-24`
Alternative APN	`105-161-24-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	3,228 sqft Living Area
Gross Area	3,804 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Roof Material	Other
Lot Area	47,960 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1180 DAY VALLEY RD
City	APTOS
State	CA
Zip	95003-9303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1002
Census Tract	122204

Owner

1180 Day Valley Rd is owned and occupied by two individuals who bought it in July 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	1180 DAY VALLEY RD, APTOS, CA 95003-9303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 26, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage LENDA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2015 · Amount on File
Deed Sale	Jul 16, 2015 · Amount on File
Prior Sale	Oct 19, 2012 · Amount on File
Deed Document Number	201528849
Prior Transfer Date	Feb 16, 2011
Prior Transfer Doc	0000012015
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1180 DAY VALLEY RD, APTOS, CA 95003-9303
Transaction Type	Mortgage
Record Updated	Aug 8, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1180 DAY VALLEY RD, APTOS, CA 95003-9303

Mortgage

Document Number	0000021691
Date	Jul 26, 2022
Instrument	2022-0021691

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Sep 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1180 DAY VALLEY RD, APTOS, CA 95003-9303
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1180 DAY VALLEY RD, APTOS, CA 95003-9303

Mortgage

Document Number	0000056376
Date	Dec 28, 2020
Instrument	2020-0056376

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1180 DAY VALLEY RD, APTOS, CA 95003-9303
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010967
Date	Apr 1, 2020
Instrument	2020-0010967

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1180 DAY VALLEY RD, APTOS, CA 95003-9303
Document Number	0000018274
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1180 DAY VALLEY RD APTOS CA 950039303, APTOS, CA 95003-9303

Mortgage

Document Number	0000018274
Date	Jun 5, 2017
Instrument	18274

Lender

Name	LENDA INC
Address	SAN FRANCISCO, CA 94105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1180 Day Valley Rd was $11,305 with a homeowner's exemption.

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		$978,054 (+2%) Land $700,335 Building $277,719
2025	$11,305.00 Homeowner's exemption	$958,876 Land $686,603 Building $272,273
2023	$10,323.00 (+1.83%) Homeowner's exemption	$921,642 Land $659,941 Building $261,701	$1,135,260
2022	$10,137.00

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

Flood

FEMA maps place 1180 Day Valley Rd 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 1180 Day Valley Rd 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	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	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 106 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
AT&T DSL	100 / 20

May also be available: Etheric Networks, Xfinity.

Cell Coverage

4G LTE only, no 5G reported

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