165 Petery Ln, Aptos, CA 95003 Property Records

Santa Cruz County property record for 165 Petery Ln, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,473 sqft · built 1985
Lot Size	0.519 acres (22,608 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,615,000 (Aug 2023)
Tax Bill	$19,088 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`107-261-06`

Property Details

APN / Parcel Number

Primary APN	`107-261-06`
Alternative APN	`107-261-06-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,473 sqft Living Area
Gross Area	2,967 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	22,608 sqft (0.519 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	610 sqft
Patio Area	610 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	165 PETERY LN
City	APTOS
State	CA
Zip	95003-9703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1002
Census Tract	122204

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 Individual Names on Record
Mailing Address	PO BOX 1313, APTOS, CA 95001-1313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 8, 2023	Grant Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2023 · Amount on Record
Deed Sale	Aug 8, 2023 · Amount on Record
Prior Sale	May 7, 2002 · Amount on Record
Deed Document Number	202314773
Prior Transfer Date	Dec 24, 2014
Prior Transfer Doc	0000023311
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	165 PETERY LN, APTOS, CA 95003-9703
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1313, APTOS, CA 95001-1313

Mortgage

Document Number	0000001194
Date	Jan 20, 2026
Instrument	2026-0001194

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Feb 1, 2036
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	1-Year T-Bill
Max Rate	10.6%

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 8, 2023
Property Address	165 PETERY LN, APTOS, CA 95003-9703
Document Number	0000014773
Instrument Date	Aug 4, 2023
Instrument	2023-0014773
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,776.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 461, CAPITOLA, CA 95010-0461

Mortgage

Document Number	0000014774
Date	Aug 8, 2023
Instrument	2023-0014774

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.7%
Max Rate	11.7%

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		$1,680,246 (+2%) Land $1,191,258 Building $488,988
2025	$19,088.00 (+66.98%)	$1,647,300 (+60.86%) Land $1,167,900 Building $479,400
2023	$11,431.00 (+1.82%) Homeowner's exemption	$1,024,063 (+2%) Land $545,967 Building $478,096	$1,410,930
2022	$11,227.00 Homeowner's exemption	$1,003,984 Land $535,262 Building $468,722

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	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	CENTRAL WATER DISTRICT serves 2,726 people · EPA ID CA4410018
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 1 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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Etheric Networks, Surfnet Communications.

Cell Coverage

4G LTE only, no 5G reported

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