1728 Cheryl Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 1728 Cheryl Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,480 sqft · built 1976
Lot Size	0.257 acres (11,195 sqft)
Owner	Individual Name on File
Last Sale	$1,127,500 (Jun 2018)
Tax Bill	$16,034 (2025)
Deeds & Mortgages	Jun 2018 Sale Jan 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040-383-31`

Property Details

APN / Parcel Number

Primary APN	`040-383-31`
Alternative APN	`040-383-31-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,480 sqft Living Area
Gross Area	2,960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	11,195 sqft (0.257 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	777 sqft
Patio Area	777 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1728 CHERYL WAY
City	APTOS
State	CA
Zip	95003-2804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	PARK WILSHIRE
Legal Lot Number	39
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122004

Owner

1728 Cheryl Way is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1728 CHERYL WAY, APTOS, CA 95003-2804
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
Jun 4, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE
Jan 19, 2018	Affidavit of Death, Transfer ATTORNEY ONLY
Jun 20, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Jun 20, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2018 · Amount on File
Deed Sale	Jun 4, 2018 · Amount on File
Deed Document Number	201816817
Prior Transfer Date	Apr 18, 2011
Prior Transfer Doc	0000016473
Record Updated	Sep 20, 2026

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 4, 2018
Property Address	1728 CHERYL WAY, APTOS, CA 95003-2804
Document Number	0000016817
Instrument Date	May 25, 2018
Instrument	16817
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$1,240.25
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1728 CHERYL WAY APTOS CA 950032804, APTOS, CA 95003-2804

January 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 19, 2018
Property Address	1728 CHERYL WAY, APTOS, CA 95003-2804
Document Number	0000001861
Instrument Date	Jan 5, 2018
Instrument	1861
Transaction Type	Transfer
Record Updated	Feb 1, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	6065 MOWRY AVE FREMONT CA 94538, FREMONT, CA 94538

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1728 CHERYL WAY, APTOS, CA 95003-2804
Document Number	0000021671
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Jul 11, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1728 CHERYL WAY APTOS CA 950032804, APTOS, CA 95003-2804

Mortgage

Document Number	0000021671
Date	Jun 30, 2017
Instrument	21671

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.28%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1728 CHERYL WAY, APTOS, CA 95003-2804
Document Number	0000021672
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1728 CHERYL WAY APTOS CA 950032804, APTOS, CA 95003-2804

Mortgage

Document Number	0000021672
Date	Jun 30, 2017
Instrument	21672

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.28%

Tax Assessment & Valuation

The 2025 property tax bill for 1728 Cheryl Way was $16,034 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		$1,308,561 (+2%) Land $981,421 Building $327,140
2025	$16,034.00 Homeowner's exemption	$1,282,903 Land $962,177 Building $320,726
2023	$14,603.00 (+2.1%) Homeowner's exemption	$1,233,087 Land $924,815 Building $308,272	$1,283,670
2022	$14,303.00

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

Flood

FEMA maps place 1728 Cheryl 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 1728 Cheryl Way is high, ranking above 72% of the US, with a 0.2% annual chance of 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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