1699 Cheryl Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 1699 Cheryl Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,855 sqft · built 1964
Lot Size	0.287 acres (12,502 sqft)
Owner	Company Name on Record
Last Sale	$1,845,000 (Mar 2026)
Tax Bill	$7,311 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Mar 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040-386-08`

Property Details

APN / Parcel Number

Primary APN	`040-386-08`
Alternative APN	`040-386-08-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	2,855 sqft Living Area
Gross Area	3,366 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2010
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	12,502 sqft (0.287 acres)
Garage Type	Attached
Garage Area	511 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1699 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 Subdivision	TRACT 388 PARK WILSHIRE
Legal Lot Number	47
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	Company Name on Record
Mailing Address	1699 CHERYL WAY, APTOS, CA 95003-2801
Owner Type	Company
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Grant Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Mar 5, 2026	Intrafamily Transfer, Transfer
Mar 8, 2021	Intrafamily Transfer, Transfer
May 5, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2026 · Amount on Record
Deed Sale	Mar 19, 2026 · Amount on Record
Deed Document Number	20265937
Prior Transfer Date	Mar 5, 2021
Prior Transfer Doc	0000013732
Record Updated	Sep 20, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 19, 2026
Property Address	1699 CHERYL WAY, APTOS, CA 95003-2801
Document Number	0000005937
Map Reference	MB 40 PG 29
Instrument Date	Mar 13, 2026
Instrument	2026-0005937
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,029.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1699 CHERYL WAY, APTOS, CA 95003-2801

Mortgage

Document Number	0000005938
Date	Mar 19, 2026
Instrument	2026-0005938

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

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

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 5, 2026
Property Address	1699 CHERYL WAY, APTOS, CA 95003-2801
Document Number	0000004894
Map Reference	MB 40 PG 29
Instrument Date	Mar 5, 2026
Instrument	2026-0004894
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1699 CHERYL WAY, APTOS, CA 95003-2801

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 8, 2021
Property Address	1699 CHERYL WAY, APTOS, CA 95003-2801
Document Number	0000013732
Map Reference	MB 40 PG 29
Instrument Date	Mar 5, 2021
Instrument	2021-0013732
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1699 CHERYL WAY, APTOS, CA 95003-2801

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 5, 2020
Property Address	1699 CHERYL WAY, APTOS, CA 95003-2801
Document Number	0000015416
Map Reference	MB 40 PG 29
Instrument Date	Apr 28, 2020
Instrument	2020-0015416
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1699 CHERYL WAY, APTOS, CA 95003-2801

Mortgage

Document Number	0000015417
Date	May 5, 2020
Instrument	2020-0015417

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

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		$521,609 (+2%) Land $191,417 Building $330,192
2025	$7,311.00 (+8.36%) Homeowner's exemption	$511,381 (+4.04%) Land $187,664 Building $323,717
2024	$6,747.00 (+2.57%)
2023	$6,578.00 (+2.56%) Homeowner's exemption	$491,524 Land $180,377 Building $311,147	$1,459,260
2022	$6,414.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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