128 Winfield Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 128 Winfield Way, Aptos, CA 95003

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,906 sqft · built 1985
Lot Size	0.063 acres (2,744 sqft)
Owner	2 Trust Names on Record
Tax Bill	$7,063 (2025)
Deeds & Mortgages	Jun 2020 Reverse Mortgage Aug 2018 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`042-131-14`

Property Details

APN / Parcel Number

Primary APN	`042-131-14`
Alternative APN	`042-131-14-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,906 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,744 sqft (0.063 acres)
Deck Area	353 sqft
Patio Area	353 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	128 WINFIELD WAY
City	APTOS
State	CA
Zip	95003-4529
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RM-3
Legal Subdivision	APTOS BEACH CC PROPS 05
Legal Lot Number	14
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3020
Census Tract	122205

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 Trust Names on Record
Mailing Address	128 WINFIELD WAY, APTOS, CA 95003-4529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2020	Intrafamily Transfer, Transfer · Reverse Mortgage UNITED STATES OF AMERICA
Aug 17, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 19, 2017	Deed of Trust, Mortgage HIGHTECHLENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 17, 2020
Transfer Doc	0000023219
Record Updated	Sep 20, 2026

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 30, 2020
Property Address	128 WINFIELD WAY, APTOS, CA 95003-4529
Document Number	0000023219
Map Reference	MB 23 PG 25
Instrument Date	Jun 17, 2020
Instrument	2020-0023219
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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 Living Trust
Address	128 WINFIELD WAY, APTOS, CA 95003-4529

Mortgage

Document Number	0000023220
Date	Jun 30, 2020
Instrument	2020-0023220

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.53%
Type Change Date	Jul 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 17, 2018
Property Address	128 WINFIELD WAY, APTOS, CA 95003-4529
Document Number	0000025213
Instrument Date	Aug 3, 2018
Instrument	25213
Transaction Type	Transfer
Record Updated	Aug 29, 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	Revocable Trust
Address	128 WINFIELD WAY APTOS CA 950034529, APTOS, CA 95003-4529

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	128 WINFIELD WAY, APTOS, CA 95003-4529
Document Number	0000035860
Instrument Date	Oct 19, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	128 WINFIELD WAY APTOS CA 950034529, APTOS, CA 95003-4529

Mortgage

Document Number	0000035860
Date	Oct 25, 2017
Instrument	35860

Lender

Name	HIGHTECHLENDING
Address	IRVINE, CA 92614

Agreement

Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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
2026		$414,673 (+2%) Land $173,998 Building $240,675
2025	$7,063.00 (+11.76%) Homeowner's exemption	$406,541 (+4.04%) Land $170,586 Building $235,955
2023	$6,320.00 (+3.03%) Homeowner's exemption	$390,755 Land $163,962 Building $226,793
2022	$6,134.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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 Record 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

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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