1220 Trout Gulch Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 1220 Trout Gulch Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 706 sqft · built 1926
Lot Size	0.153 acres (6,665 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jun 2011)
Tax Bill	$5,993 (2025)
Deeds & Mortgages	May 2026 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-091-03`

Property Details

APN / Parcel Number

Primary APN	`041-091-03`
Alternative APN	`041-091-03-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	706 sqft Living Area
Basement Area	100 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,665 sqft (0.153 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1220 TROUT GULCH RD
City	APTOS
State	CA
Zip	95003-3004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	FOREST GLEN 01
Legal Lot Number	12
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1023
Census Tract	122002

Owner

1220 Trout Gulch Rd is owned and occupied by two individuals who bought it in June 2011.

Source: Santa Cruz County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1220 TROUT GULCH RD, APTOS, CA 95003-3004
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
May 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 15, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 30, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2011 · Amount on File
Deed Sale	Jun 3, 2011 · Amount on File
Prior Sale	Oct 29, 2004 · Amount on File
Deed Document Number	201122492
Prior Transfer Date	May 25, 2011
Prior Transfer Doc	0000022493
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	May 7, 2026
Property Address	1220 TROUT GULCH RD, APTOS, CA 95003-3004
Document Number	0000010304
Instrument Date	Apr 24, 2026
Instrument	202610304
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	1220 TROUT GULCH RD, APTOS, CA 95003-3004
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010304,
Date	May 7, 2026
Instrument	202610304

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1220 TROUT GULCH RD, APTOS, CA 95003-3004
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 TROUT GULCH RD, APTOS, CA 95003-3004

Mortgage

Document Number	0000032787
Date	Jun 15, 2021
Instrument	2021-0032787

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Dec 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1220 TROUT GULCH RD, APTOS, CA 95003-3004
Document Number	0000034959
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1220 TROUT GULCH RD APTOS CA 950033004, APTOS, CA 95003-3004

Mortgage

Document Number	0000034959
Date	Nov 12, 2019
Instrument	34959

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1220 Trout Gulch Rd was $5,993, up 8.5% from the year before.

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		$496,585 (+2%) Land $297,951 Building $198,634
2025	$5,993.00 (+8.49%)	$486,848 Land $292,109 Building $194,739
2024	$5,524.00 (+1.66%)
2023	$5,434.00 (+1.89%)	$467,943 Land $280,766 Building $187,177	$648,900
2022	$5,333.00

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

Flood

FEMA maps place 1220 Trout Gulch Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1982.

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

Wildfire risk around 1220 Trout Gulch 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	TROUT GULCH MUTUAL WATER COMPANY private · serves 614 people · EPA ID CA4400502
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	4 ppb (2025–2027) 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 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

4G LTE only, no 5G reported

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