170 Carol Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 170 Carol Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,200 sqft · built 1995
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$1,185,000 (May 2019)
Tax Bill	$15,355 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2019 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`041-381-14`

Property Details

APN / Parcel Number

Primary APN	`041-381-14`
Alternative APN	`041-381-14-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	3,200 sqft Living Area
Gross Area	3,776 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	390 sqft
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	170 CAROL WAY
City	APTOS
State	CA
Zip	95003-4236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	TR 275
Legal Subdivision	275 DEL MAR KNOLLS UN 2
Legal Tract	275
Legal Lot Number	10
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2004
Census Tract	122204

Owner

170 Carol Way is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	426 PALMER AVE, APTOS, CA 95003-5212
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 15, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROBERT T DEACON
Mar 6, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 28, 2018	Correction Deed · Reverse Mortgage LIBERTY HOME EQUITY SOLUTIONS INC
Feb 9, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2019 · Amount on File
Deed Sale	May 15, 2019 · Amount on File
Prior Sale	Apr 10, 1996 · Amount on File
Deed Document Number	201912908
Prior Transfer Date	Mar 5, 2018
Prior Transfer Doc	0000006800
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	170 CAROL WAY, APTOS, CA 95003-4236
Transaction Type	Mortgage
Record Updated	Nov 18, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 CAROL WAY, APTOS, CA 95003-4236

Mortgage

Document Number	0000054656
Date	Nov 2, 2021
Instrument	2021-0054656

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 15, 2019
Property Address	170 CAROL WAY, APTOS, CA 95003-4236
Document Number	0000012908
Map Reference	MB 37 PG 48
Instrument Date	May 6, 2019
Instrument	2019-0012908
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 PALMER AVE, APTOS, CA 95003-5212

Mortgage

Document Number	0000012909
Date	May 15, 2019
Instrument	2019-0012909

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	170 CAROL WAY, APTOS, CA 95003-4236
Document Number	0000008698
Instrument Date	Apr 3, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	170 CAROL WAY APTOS CA 950034236, APTOS, CA 95003-4236

Mortgage

Document Number	0000008698
Date	Apr 5, 2019
Instrument	8698

Lender

Name	ROBERT T DEACON

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 6, 2018
Property Address	170 CAROL WAY, APTOS, CA 95003-4236
Document Number	0000006800
Instrument Date	Mar 5, 2018
Instrument	6800
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	170 CAROL WAY APTOS CA 950034236, APTOS, CA 95003-4236

February 2018: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 28, 2018
Property Address	170 CAROL WAY, APTOS, CA 95003-4236
Document Number	0000006094
Map Reference	MB 37 PG 48
Instrument Date	Feb 15, 2018
Instrument	2018-0006094
Record Updated	Aug 17, 2021
Title Company	PLACER TITLE CO RO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 CAROL WAY, APTOS, CA 95003-4236

Mortgage

Document Number	0000006095
Date	Feb 28, 2018
Instrument	2018-0006095

Lender

Name	LIBERTY HOME EQUITY SOLUTIONS INC
Type	Reverse Mortgage Lender
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	952 Months
Due	Jun 2, 2097

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 9, 2018
Property Address	170 CAROL WAY, APTOS, CA 95003-4236
Document Number	0000004161
Instrument Date	Feb 8, 2018
Instrument	4161
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 CAROL WAY APTOS CA 950034236, APTOS, CA 95003-4236

Tax Assessment & Valuation

The 2025 property tax bill for 170 Carol Way was $15,355 with a homeowner's exemption.

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		$1,348,328 (+2%) Land $836,305 Building $512,023
2025	$15,355.00 Homeowner's exemption	$1,321,891 Land $819,907 Building $501,984
2023	$14,045.00 (+1.81%) Homeowner's exemption	$1,270,560 Land $788,069 Building $482,491	$1,301,670
2022	$13,795.00

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

Flood

FEMA maps place 170 Carol Way in Zone X, an area of minimal flood risk.

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

Wildfire risk around 170 Carol Way is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% 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	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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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