126 Riviera Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 126 Riviera Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,565 sqft · built 1977
Lot Size	0.149 acres (6,490 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,166 (2025)
Deeds & Mortgages	Aug 2021 Transfer Aug 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`040-385-04`

Property Details

APN / Parcel Number

Primary APN	`040-385-04`
Alternative APN	`040-385-04-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,565 sqft Living Area
Gross Area	2,045 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,490 sqft (0.149 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	126 RIVIERA DR
City	APTOS
State	CA
Zip	95003-2825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	CAPITOLA CRESTS
Legal Lot Number	56
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1005
Census Tract	122004

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	126 RIVIERA DR, APTOS, CA 95003-2825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Intrafamily Transfer, Transfer STATES TITLE INC
Aug 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL
Oct 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LNDG
Sep 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 15, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 4, 2021
Transfer Doc	0000041893
Record Updated	Sep 20, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 10, 2021
Property Address	126 RIVIERA DR, APTOS, CA 95003-2825
Document Number	0000041895
Map Reference	MB 40 PG 29
Instrument Date	Aug 4, 2021
Instrument	2021-0041895
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	STATES TITLE INC

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	Family Trust
Address	126 RIVIERA DR, APTOS, CA 95003-2825

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 10, 2021
Property Address	126 RIVIERA DR, APTOS, CA 95003-2825
Document Number	0000041893
Map Reference	MB 40 PG 29
Instrument Date	Aug 4, 2021
Instrument	2021-0041893
Transaction Type	Transfer
Record Updated	Aug 26, 2021
Title Company	STATES TITLE INC

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	Community Property
Address	126 RIVIERA DRVIE, APTOS, CA 95003-2825

Mortgage

Document Number	0000041894
Date	Aug 10, 2021
Instrument	2021-0041894

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	126 RIVIERA DR, APTOS, CA 95003-2825
Document Number	0000022978
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	126 RIVIERA DR APTOS CA 950032825, APTOS, CA 95003-2825

Mortgage

Document Number	0000022978
Date	Aug 9, 2019
Instrument	22978

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	126 RIVIERA DR, APTOS, CA 95003-2825
Document Number	0000037779
Instrument Date	Oct 31, 2017
Transaction Type	Mortgage
Record Updated	Dec 1, 2017
Title Company	FIDELITY NATIONAL TITLE-OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	126 RIVIERA DR APTOS CA 950032825, APTOS, CA 95003-2825

Mortgage

Document Number	0000037779
Date	Nov 9, 2017
Instrument	37779

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2047

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 22, 2017
Property Address	126 RIVIERA DR, APTOS, CA 95003-2825
Document Number	0000031666
Instrument Date	Sep 12, 2017
Instrument	31666
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	126 RIVIERA DR APTOS CA 950032825, APTOS, CA 95003-2825

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 15, 2017
Property Address	126 RIVIERA DR, APTOS, CA 95003-2825
Document Number	0000030924
Instrument Date	Sep 12, 2017
Instrument	30924
Transaction Type	Transfer
Record Updated	Oct 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	126 RIVIERA DR APTOS CA 950032825, APTOS, CA 95003-2825

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	126 RIVIERA DR, APTOS, CA 95003-2825
Document Number	0000007842
Instrument Date	Feb 27, 2017
Transaction Type	Mortgage
Record Updated	Mar 23, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	126 RIVIERA DR APTOS CA 950032825, APTOS, CA 95003-2825

Mortgage

Document Number	0000007842
Date	Mar 7, 2017
Instrument	7842

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 6, 2042

Tax Assessment & Valuation

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		$237,837 (+2%) Land $90,609 Building $147,228
2025	$4,166.00 (+13.08%) Homeowner's exemption	$233,173 (+4.04%) Land $88,832 Building $144,341
2023	$3,684.00 (+3.22%) Homeowner's exemption	$224,119 Land $85,383 Building $138,736	$939,240
2022	$3,569.00

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

Flood

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

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

Wildfire Risk	Moderate above 61% of the US · lower than 63% of California
Wildfire Likelihood	0.2% 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio, Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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