1649 Cheryl Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 1649 Cheryl Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,224 sqft · built 1964
Lot Size	0.336 acres (14,636 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Aug 1994)
Tax Bill	$7,892 (2025)
Deeds & Mortgages	Feb 2017 Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`040-386-05`

Property Details

APN / Parcel Number

Primary APN	`040-386-05`
Alternative APN	`040-386-05-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,224 sqft Living Area
Gross Area	2,735 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	14,636 sqft (0.336 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	511 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1649 CHERYL WAY
City	APTOS
State	CA
Zip	95003-2801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TR 388
Legal Subdivision	PARK WILSHIRE SUB #388
Legal Tract	388
Legal Lot Number	50
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122004

Owner

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 Record
Mailing Address	1649 CHERYL WAY, APTOS, CA 95003-2801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage MENLO SURVEY FCU
May 29, 2019	Deed of Trust, Mortgage · Line of Credit MENLO SURVEY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 1994 · Amount on Record
Deed Sale	Aug 15, 1994 · Amount on Record
Deed Document Number	199457338
Deed Book / Page	5554 / 315
Last Transfer Date	Dec 29, 1997
Transfer Doc	0000000373
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1649 CHERYL WAY, APTOS, CA 95003-2801
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005122
Date	Feb 10, 2017
Instrument	2017-0005122

Lender

Name	MENLO SURVEY FCU
Type	Credit Union
Address	ANAHEIM, CA 92807

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2027

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1649 CHERYL WAY, APTOS, CA 95003-2801
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014239
Date	May 29, 2019
Instrument	2019-0014239

Lender

Name	MENLO SURVEY FCU
Type	Credit Union
Address	MENLO PARK, CA 94025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 28, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Assessed Market Value
2026		$573,967 (+2%) Land $299,836 Building $274,131
2025	$7,892.00 (+10.97%) Homeowner's exemption	$562,712 (+4.04%) Land $293,956 Building $268,756
2023	$7,112.00 (+2.49%) Homeowner's exemption	$540,862 Land $282,542 Building $258,320	$1,337,670
2022	$6,939.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	High above 72% of the US · above 47% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio, Surfnet Communications.

Cell Coverage

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

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