175 Charman Hill Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 175 Charman Hill Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 3,888 sqft · built 1990
Lot Size	1.95 acres (85,073 sqft)
Owner	Individual Name on Record
Last Sale	$1,160,000 (Jun 2006)
Tax Bill	$21,800 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jan 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-111-11`

Property Details

APN / Parcel Number

Primary APN	`041-111-11`
Alternative APN	`041-111-11-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	3,888 sqft Living Area
Gross Area	4,368 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	85,073 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,470 sqft
Patio Area	1,470 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant

Location & Zoning

Street Address	175 CHARMAN HILL RD
City	APTOS
State	CA
Zip	95003-9755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	PARCEL MAPS 9 PG 69 LOT 4
Legal Subdivision	PM9 69
Legal Lot Number	4
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1023
Census Tract	122002

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	Individual Name on Record
Mailing Address	175 CHARMAN HILL RD, APTOS, CA 95003-9755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Line of Credit OAKTREE FUNDING CORP
Jan 13, 2022	Intrafamily Transfer, Transfer
Aug 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2006 · Amount on Record
Deed Sale	Jun 30, 2006 · Amount on Record
Prior Sale	Nov 19, 1997 · Amount on Record
Deed Document Number	200638773
Last Transfer Date	Dec 20, 2021
Transfer Doc	0000001382
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	175 CHARMAN HILL RD, APTOS, CA 95003-9755
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 CHARMAN HILL RD, APTOS, CA 95003-9755

Mortgage

Document Number	0000025486
Date	Nov 26, 2025
Instrument	2025-0025486

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender
Address	CHANDLER, AZ 85226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 13, 2022
Property Address	175 CHARMAN HILL RD, APTOS, CA 95003-9755
Document Number	0000001382
Map Reference	VOL 9 PG 69
Instrument Date	Dec 20, 2021
Instrument	2022-0001382
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	Living Trust
Address	175 CHARMAN HILL RD, APTOS, CA 95003-9755

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	175 CHARMAN HILL RD, APTOS, CA 95003-9755
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024802
Date	Aug 26, 2019
Instrument	2019-0024802

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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
2026		$1,912,778 (+2%) Land $906,048 Building $1,006,730
2025	$21,800.00 (+9.05%) Homeowner's exemption	$1,875,274 (+4.04%) Land $888,283 Building $986,991
2023	$19,990.00 (+1.82%) Homeowner's exemption	$1,802,454 Land $853,789 Building $948,665
2022	$19,633.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 51% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

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

Cell Coverage

5G (outdoors only) and 4G LTE

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