Santa Cruz County property record for 140 Bar Harbor Ct, Aptos, CA 95003
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2.5 ba · 1,632 sqft · built 1978 |
| Lot Size | 0.045 acres (1,960 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $206,000 (Jul 1998) |
| Tax Bill | $5,240 (2025) |
| Deeds & Mortgages | Aug 2022 Reverse Mortgage Aug 2021 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-101-46 |
| Primary APN | 054-101-46 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,632 sqft Living Area |
| Gross Area | 1,883 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Townhouse |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 1,960 sqft (0.045 acres) |
| Garage Type | Attached |
| Garage Area | 251 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 140 BAR HARBOR CT |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5801 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | RM-3 |
| Legal Description | PARCEL MAPS 41 PG 61 |
| Legal Subdivision | THAT CERTAIN PARCEL MAP |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 122203 |
Source: Santa Cruz County records · APN 054-101-46
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 140 BAR HARBOR CT, APTOS, CA 95003-5801 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 01, 2022 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Aug 10, 2021 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 29, 1998 · Amount on Record |
| Deed Sale | Jul 29, 1998 · Amount on Record |
| Deed Document Number | 199843740 |
| Prior Transfer Date | May 30, 1995 |
| Prior Transfer Doc | 0000028008 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 140 BAR HARBOR CT, APTOS, CA 95003-5801 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | PLACER TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 140 BAR HARBOR CT, APTOS, CA 95003-5801 |
| Document Number | 0000022108 |
|---|---|
| Date | Aug 01, 2022 |
| Instrument | 2022-0022108 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 140 BAR HARBOR CT, APTOS, CA 95003-5801 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2021 |
| Title Company | PLACER TITLE COMPANY, PLACER TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 140 BAR HARBOR CT, APTOS, CA 95003-5801 |
| Document Number | 0000041822 |
|---|---|
| Date | Aug 10, 2021 |
| Instrument | 2021-0041822 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $329,413 (+2%) Land $197,646 Building $131,767 | ||
| 2025 | $5,240.00 (+15.72%) Homeowner's exemption | $322,954 (+4.04%) Land $193,771 Building $129,183 | |
| 2023 | $4,528.00 (+2.77%) Homeowner's exemption | $310,413 Land $186,246 Building $124,167 | $908,100 |
| 2022 | $4,406.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 1 in force |
| Wildfire Risk | Low lower than 93% of the US · lower than 96% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Cruzio Internet, Etheric Communications, LLC..
Based on FCC filings for 448 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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