1444 Fern Flat Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 1444 Fern Flat Rd, Aptos, CA 95003

Property Summary

Property Type	Recreational Vacant Land
Details	4 bd · 3 ba · 3,623 sqft · built 1981
Lot Size	3.61 acres (157,469 sqft)
Owner	2 Individual Names on File
Last Sale	$1,300,000 (Feb 2025)
Tax Bill	$10,115 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-391-22`

Property Details

APN / Parcel Number

Primary APN	`105-391-22`
Alternative APN	`105-391-22-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Building Area	3,623 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	157,469 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Deck Area	130 sqft
Patio Area	130 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1440 FERN FLAT RD
City	APTOS
State	CA
Zip	95003-9763
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	SU
Legal Subdivision	PM9 49
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122002

Owner

1444 Fern Flat Rd, recreational vacant land, is owned and occupied by two individuals who bought it in February 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1440 FERN FLAT RD, APTOS, CA 95003-9763
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2018	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Mar 13, 2020	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS
Nov 30, 2018	Deed of Trust, Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2025 · Amount on File
Deed Sale	Feb 25, 2025 · Amount on File
Prior Sale	Jul 29, 2003 · Amount on File
Deed Document Number	20253456
Prior Transfer Date	Sep 1, 2004
Prior Transfer Doc	0000066655
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1440 FERN FLAT RD, APTOS, CA 95003-9763
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024421
Date	Aug 9, 2018
Instrument	2018-0024421

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1440 FERN FLAT RD, APTOS, CA 95003-9763
Document Number	0000009801
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1440 FERN FLAT RD APTOS CA 950039763, APTOS, CA 95003-9763

Mortgage

Document Number	0000009801
Date	Mar 20, 2020
Instrument	9801

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1440 FERN FLAT RD, APTOS, CA 95003-9763
Document Number	0000036372
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Dec 20, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1440 FERN FLAT RD APTOS CA 950039763, APTOS, CA 95003-9763

Mortgage

Document Number	0000036372
Date	Dec 7, 2018
Instrument	36372

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 1444 Fern Flat Rd was $10,115.

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		$833,883 (+2%) Land $507,581 Building $326,302
2025	$10,115.00	$817,533 Land $497,629 Building $319,904
2023	$9,233.00 (+1.95%)	$785,787 Land $478,305 Building $307,482	$1,336,410
2022	$9,056.00

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

Flood

FEMA maps place 1444 Fern Flat 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 1444 Fern Flat Rd is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 67% of California
Wildfire Likelihood	0.1% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Etheric Networks, Xfinity.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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