Santa Cruz County property record for 125 Charman Hill Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,506 sqft · built 1982 |
| Lot Size | 1.11 acres (48,787 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,050,000 (May 2016) |
| Tax Bill | $14,652 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-111-14 |
| Primary APN | 041-111-14 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,506 sqft Living Area |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2015 |
| Construction Type | Wood |
| Lot Area | 48,787 sqft |
| Street Address | 125 CHARMAN HILL RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-9755 |
| 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 | 1023 |
| Census Tract | 122002 |
125 Charman Hill Rd is owned and occupied by two individuals who acquired it in November 2020.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 125 CHARMAN HILL RD, APTOS, CA 95003-9755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 19, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Sep 22, 2017 | Grant Deed, Mortgage UNITED STATES DEPT/AGRICULTURE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2016 · Amount on File |
| Deed Sale | May 9, 2016 · Amount on File |
| Prior Sale | Nov 6, 2009 · Amount on File |
| Deed Document Number | 201616116 |
| Last Transfer Date | Nov 9, 2020 |
| Transfer Doc | 0000049236 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Nov 19, 2020 |
| Property Address | 125 CHARMAN HILL RD, APTOS, CA 95003-9755 |
| Document Number | 0000049236 |
| Instrument Date | Nov 9, 2020 |
| Instrument | 2020-0049236 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 125 CHARMAN HILL RD, APTOS, CA 95003-9755 |
| Document Number | 0000049237 |
|---|---|
| Date | Nov 19, 2020 |
| Instrument | 2020-0049237 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 22, 2017 |
| Property Address | 125 CHARMAN HILL RD, APTOS, CA 95003-9755 |
| Instrument Date | Sep 21, 2017 |
| Instrument | 31769 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 90 VICTORIA LN APTOS CA 950033045, APTOS, CA 95003-3045 |
| Document Number | 0000031769 |
|---|---|
| Date | Sep 22, 2017 |
| Instrument | 31769 |
| Name | UNITED STATES DEPT/AGRICULTURE |
|---|---|
| Address | 920 E STOWELL RD, SANTA MARIA, CA 93454-7008 |
| Amount | Amount on Record |
|---|---|
| Term | 480 Months |
| Due | Sep 21, 2057 |
The 2025 property tax bill for 125 Charman Hill Rd was $14,652 with a homeowner's exemption.
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 | $1,267,847 (+2%) Land $935,792 Building $332,055 | ||
| 2025 | $14,652.00 Homeowner's exemption | $1,242,987 Land $917,443 Building $325,544 | |
| 2023 | $13,413.00 (+1.28%) Homeowner's exemption | $1,194,721 Land $881,818 Building $312,903 | $1,250,820 |
| 2022 | $13,244.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 125 Charman Hill 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 |
|
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 risk around 125 Charman Hill Rd is low, with a 0.05% 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 | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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.
5G (outdoors only) and 4G LTE
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