160 McKay Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 160 McKay Rd, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,080 sqft · built 1985
Lot Size	1.45 acres (63,293 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,618 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`105-341-02`

Property Details

APN / Parcel Number

Primary APN	`105-341-02`
Alternative APN	`105-341-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,080 sqft Living Area
Gross Area	2,560 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	63,293 sqft
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	160 MCKAY RD
City	APTOS
State	CA
Zip	95003-9740
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122204

Owner

Source: Santa Cruz County records · APN 105-341-02

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	160 MCKAY RD, APTOS, CA 95003-9740
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	160 MCKAY RD, APTOS, CA 95003-9740
Transaction Type	Mortgage
Record Updated	May 07, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 MCKAY RD, APTOS, CA 95003-9740

Mortgage

Document Number	0000022977
Date	Apr 22, 2021
Instrument	2021-0022977

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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		$555,131 (+2%) Land $282,943 Building $272,188
2025	$6,618.00 (+10.12%) Homeowner's exemption	$544,246 (+4.04%) Land $277,395 Building $266,851
2023	$6,010.00 (+1.9%) Homeowner's exemption	$523,113 Land $266,624 Building $256,489	$1,030,860
2022	$5,898.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 29% of California
Wildfire Likelihood	About 1 in 1,042 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 135 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Surfnet Communications	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: Etheric Communications, LLC., AT&T, Cruzio Internet, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.