1260 Trout Gulch Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 1260 Trout Gulch Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 953 sqft · built 1928
Lot Size	0.199 acres (8,668 sqft)
Owner	2 Trust Names on File
Last Sale	$840,000 (Dec 2021)
Tax Bill	$10,739 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Dec 2021 Sale & Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`041-091-06`

Property Details

APN / Parcel Number

Primary APN	`041-091-06`
Alternative APN	`041-091-06-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	953 sqft Living Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2017
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,668 sqft (0.199 acres)
Terrain	Steep
Deck Area	640 sqft
Patio Area	640 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1260 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	9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1023
Census Tract	122002

Owner

1260 Trout Gulch Rd is owner-occupied and held in a trust since December 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
Oct 6, 2023	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Dec 7, 2021	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL INC
Oct 18, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC
May 25, 2018	Quit Claim Deed, Transfer SUPREME LNDG
May 25, 2018	Grant Deed, Transfer · Conventional with PMI SUPREME LNDG
Oct 6, 2017	Quit Claim Deed, Transfer STEWART TITLE
Oct 6, 2017	Grant Deed, Transfer STEWART TITLE
Oct 6, 2017	Quit Claim Deed, Transfer STEWART TITLE
Oct 6, 2017	Quit Claim Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2021 · Amount on File
Deed Sale	Dec 7, 2021 · Amount on File
Prior Sale	May 25, 2018 · Amount on File
Deed Document Number	202159295
Prior Transfer Date	Oct 9, 2019
Prior Transfer Doc	0000032233
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004

Mortgage

Document Number	0000019080
Date	Oct 6, 2023
Instrument	2023-0019080

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	FORT WORTH, TX 76155

Agreement

Type	SBA Mortgage
Amount	Amount on Record

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 7, 2021
Property Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004
Document Number	0000059295
Map Reference	MB 18 PG 55
Instrument Date	Dec 1, 2021
Instrument	2021-0059295
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$924.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004

Mortgage

Document Number	0000059296
Date	Dec 7, 2021
Instrument	2021-0059296

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004

Mortgage

Document Number	0000045372
Date	Nov 2, 2020
Instrument	2020-0045372

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Mortgage Company
Address	GILBERT, AZ 85297

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 18, 2019
Property Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004
Document Number	0000032233
Map Reference	MB 18 PG 55
Instrument Date	Oct 9, 2019
Instrument	2019-0032233
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	PLACER TITLE COMPANY

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	Joint Tenants
Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004

Mortgage

Document Number	0000032234
Date	Oct 18, 2019
Instrument	2019-0032234

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 25, 2018
Property Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004
Document Number	0000015991
Instrument Date	May 23, 2018
Instrument	15991
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1260 TROUT GULCH RD APTOS CA 950033004, APTOS, CA 95003-3004

Mortgage

Document Number	15992
Date	May 25, 2018
Instrument	15992

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 24, 2048

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 25, 2018
Property Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004
Document Number	0000015990
Instrument Date	May 21, 2018
Instrument	15990
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$659.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1260 TROUT GULCH RD APTOS CA 950033004, APTOS, CA 95003-3004

Mortgage

Document Number	15992
Date	May 25, 2018
Instrument	15992

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 24, 2048

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 6, 2017
Property Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004
Document Number	0000033585
Instrument Date	Sep 18, 2017
Instrument	33585
Transaction Type	Transfer
Record Updated	Nov 16, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 6, 2017
Property Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004
Document Number	0000033582
Instrument Date	Sep 15, 2017
Instrument	33582
Transaction Type	Transfer
Record Updated	Nov 1, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$440.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1041 41ST AVE SANTA CRUZ CA 950624466, SANTA CRUZ, CA 95062-4466

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 6, 2017
Property Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004
Document Number	0000033583
Instrument Date	Sep 15, 2017
Instrument	33583
Transaction Type	Transfer
Record Updated	Nov 1, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1610 12TH ST OREGON CITY OR 970452121, OREGON CITY, OR 97045-2121

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 6, 2017
Property Address	1260 TROUT GULCH RD, APTOS, CA 95003-3004
Document Number	0000033584
Instrument Date	Sep 14, 2017
Instrument	33584
Transaction Type	Transfer
Record Updated	Nov 1, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3930 REPOSA AVE SANTA CRUZ CA 950623274, SANTA CRUZ, CA 95062-3274

Tax Assessment & Valuation

The 2025 property tax bill for 1260 Trout Gulch Rd was $10,739.

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		$909,243 (+2%) Land $727,394 Building $181,849
2025	$10,739.00	$891,415 Land $713,132 Building $178,283
2023	$9,809.00 (+1.78%)	$856,800 Land $685,440 Building $171,360	$780,300
2022	$9,637.00

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

Flood

FEMA maps place 1260 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 1260 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.

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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