120 Carrera Cir, Aptos, CA 95003 Property Records

Santa Cruz County property record for 120 Carrera Cir, Aptos, CA 95003

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,500 sqft · built 1999
Lot Size	0.065 acres (2,831 sqft)
Owner	2 Individual Names on File
Last Sale	$1,050,000 (Jun 2021)
Tax Bill	$14,289 (2025)
Deeds & Mortgages	Jul 2022 Transfer Jun 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`042-073-36`

Property Details

APN / Parcel Number

Primary APN	`042-073-36`
Alternative APN	`042-073-36-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,500 sqft Living Area
Gross Area	2,013 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Townhouse
Construction Type	Wood
Roof Material	Tile
Lot Area	2,831 sqft (0.065 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	513 sqft
Parking Spaces	2 Parking Spaces
Deck Area	99 sqft
Patio Area	99 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	120 CARRERA CIR
City	APTOS
State	CA
Zip	95003-4665
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RM-6
Legal Description	TRACT 866 LOT 29
Legal Subdivision	ESCONDIDO VERDE
Legal Tract	866
Legal Lot Number	29
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3004
Census Tract	122205

Owner

120 Carrera Cir, a townhouse, is owned and occupied by two individuals who acquired it in July 2022.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	120 CARRERA CIR, APTOS, CA 95003-4665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Intrafamily Transfer, Transfer
Jun 18, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 19, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 18, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 8, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 20, 2017	Grant Deed, Transfer · VA Mortgage AMERICAN FIN'L NETWORK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2021 · Amount on File
Deed Sale	Jun 18, 2021 · Amount on File
Prior Sale	Jun 21, 2017 · Amount on File
Deed Document Number	202133473
Last Transfer Date	Jul 28, 2022
Transfer Doc	0000021908
Record Updated	Sep 20, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 29, 2022
Property Address	120 CARRERA CIR, APTOS, CA 95003-4665
Document Number	0000021908
Map Reference	VOL 77 PG 36
Instrument Date	Jul 28, 2022
Instrument	2022-0021908
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	120 CARRERA CIR, APTOS, CA 95003-4665

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 18, 2021
Property Address	120 CARRERA CIR, APTOS, CA 95003-4665
Document Number	0000033473
Map Reference	VOL 77 PG 36
Instrument Date	Jun 2, 2021
Instrument	2021-0033473
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
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	120 CARRERA CIR, APTOS, CA 95003-4665

Mortgage

Document Number	0000033474
Date	Jun 18, 2021
Instrument	2021-0033474

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	120 CARRERA CIR, APTOS, CA 95003-4665
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CARRERA CIR, APTOS, CA 95003-4665

Mortgage

Document Number	0000010523
Date	Feb 19, 2021
Instrument	2021-0010523

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	352 Months
Due	Jun 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	120 CARRERA CIR, APTOS, CA 95003-4665
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016651
Date	Jun 18, 2019
Instrument	2019-0016651

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	120 CARRERA CIR, APTOS, CA 95003-4665
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012059
Date	Apr 8, 2020
Instrument	2020-0012059

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 20, 2017
Property Address	120 CARRERA CIR, APTOS, CA 95003-4665
Document Number	0000020322
Instrument Date	Jun 15, 2017
Instrument	20322
Transaction Type	Transfer
Record Updated	Oct 23, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$768.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	120 CARRERA CIR APTOS CA 950034665, APTOS, CA 95003-4665

Mortgage

Document Number	20323
Date	Jun 20, 2017
Instrument	20323

Lender

Name	AMERICAN FIN'L NETWORK
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 120 Carrera Cir was $14,289.

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		$1,159,285 (+2%) Land $695,571 Building $463,714
2025	$14,289.00	$1,136,554 Land $681,932 Building $454,622
2023	$13,014.00 (+2.08%)	$1,092,420 Land $655,452 Building $436,968	$964,620
2022	$12,749.00

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

Flood

FEMA maps place 120 Carrera Cir in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2023.

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
Flood Insurance Cost	Premium on File median of 63 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	7 (2023)
Most Recent Claim	Sep 2023 · tidal / storm surge
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 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

Wildfire risk around 120 Carrera Cir is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	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

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 712 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cruzio, Etheric Networks, T-Mobile, Verizon.

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