126 Winfield Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 126 Winfield Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1981
Lot Size	0.053 acres (2,309 sqft)
Owner	Trust Name on File
Last Sale	$950,000 (Aug 2018)
Tax Bill	$13,590 (2025)
Deeds & Mortgages	Sep 2023 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`042-131-13`

Property Details

APN / Parcel Number

Primary APN	`042-131-13`
Alternative APN	`042-131-13-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,680 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	2,309 sqft (0.053 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	126 WINFIELD WAY
City	APTOS
State	CA
Zip	95003-4529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-3.5
Legal Description	BLK 57 LOT 13
Legal Subdivision	APTOS BEACH CC PROP
Legal Lot Number	13
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3020
Census Tract	122205

Owner

126 Winfield Way is owner-occupied and held in a trust since June 2024.

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

Owner of Record	Trust Name on File
Mailing Address	126 WINFIELD WAY, APTOS, CA 95003-4529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

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
Sep 22, 2023	Intrafamily Transfer, Transfer
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY FCU
Aug 13, 2018	Grant Deed, Transfer BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2018 · Amount on File
Deed Sale	Aug 13, 2018 · Amount on File
Prior Sale	Oct 16, 2015 · Amount on File
Deed Document Number	201824615
Last Transfer Date	Jun 18, 2024
Transfer Doc	0000011707
Record Updated	Sep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 22, 2023
Property Address	126 WINFIELD WAY, APTOS, CA 95003-4529
Document Number	0000018083
Map Reference	MB 23 PG 25
Instrument Date	Sep 21, 2023
Instrument	2023-0018083
Transaction Type	Transfer
Record Updated	Oct 11, 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
Address	104 WALNUT AVE STE 204, 204, SANTA CRUZ, CA 95060-3929

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	126 WINFIELD WAY, APTOS, CA 95003-4529
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 WINFIELD WAY, APTOS, CA 95003-4529

Mortgage

Document Number	0000035038
Date	Sep 8, 2020
Instrument	2020-0035038

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 13, 2018
Property Address	126 WINFIELD WAY, APTOS, CA 95003-4529
Document Number	0000024615
Instrument Date	Jul 27, 2018
Instrument	24615
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,045.00
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	126 WINFIELD WAY APTOS CA 950034529, APTOS, CA 95003-4529

Mortgage

Document Number	24616
Date	Aug 13, 2018
Instrument	24616

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 126 Winfield Way was $13,590.

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		$1,080,938 (+2%) Land $756,657 Building $324,281
2025	$13,590.00	$1,059,743 Land $741,820 Building $317,923
2023	$12,358.00 (+2.16%)	$1,018,592 Land $713,014 Building $305,578	$1,008,720
2022	$12,097.00

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

Flood

FEMA maps place 126 Winfield Way in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 126 Winfield Way is low, with a 0.01% 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	0.01% 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 564 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

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