1230 Trout Gulch Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 1230 Trout Gulch Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 740 sqft · built 1926
Lot Size	0.168 acres (7,318 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Nov 2012)
Tax Bill	$3,752 (2025)
Deeds & Mortgages	Apr 2021 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-091-04`

Property Details

APN / Parcel Number

Primary APN	`041-091-04`
Alternative APN	`041-091-04-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	740 sqft Living Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,318 sqft (0.168 acres)
Terrain	Steep
Porch	Porch
Deck Area	156 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1230 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	11
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1023
Census Tract	122002

Owner

1230 Trout Gulch Rd is owned and occupied by two individuals who bought it in November 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	1230 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2012 · Amount on File
Deed Sale	Nov 21, 2012 · Amount on File
Prior Sale	Aug 27, 2004 · Amount on File
Deed Document Number	201257363
Prior Transfer Date	Mar 7, 1995
Prior Transfer Doc	0000012377
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1230 TROUT GULCH RD, APTOS, CA 95003-3004
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	FNC TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1230 TROUT GULCH RD, APTOS, CA 95003-3004

Mortgage

Document Number	0000020300
Date	Apr 8, 2021
Instrument	2021-0020300

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.57%
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 1230 Trout Gulch Rd was $3,752 with a homeowner's exemption, up 9.4% 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		$301,454 (+2%) Land $180,872 Building $120,582
2025	$3,752.00 (+9.39%) Homeowner's exemption	$295,543 Land $177,326 Building $118,217
2024	$3,430.00 (+1.84%)
2023	$3,368.00 (+2.06%) Homeowner's exemption	$284,067 Land $170,440 Building $113,627	$493,020
2022	$3,300.00

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

Flood

FEMA maps place 1230 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 1230 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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