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177 Chaparral Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 177 Chaparral Dr, Aptos, CA 95003

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,262 sqft · built 1961
Lot Size0.519 acres (22,608 sqft)
OwnerIndividual Name on Record
Last Sale$1,345,000 (Jun 2022)
Tax Bill$16,852 (2025)
Deeds & MortgagesSep 2026 Construction Loan
Jun 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN105-241-51

Property Details

APN / Parcel Number

Primary APN105-241-51
Alternative APNs
  • 105-241-53-000
  • 10524126000
  • 10524151000
  • 105-241-53

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms9 Rooms
Stories1 Story
Building Area2,262 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 2013
Architectural StyleConventional
Exterior MaterialStucco
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area22,608 sqft (0.519 acres)
Garage TypeCarport
Garage Area400 sqft
CarportCarport
Carport Area400 sqft
Deck AreaDeck Area
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerSeptic
Water SourceCommercial

Location & Zoning

Old Parcel Number10524151000
Street Address175 CHAPARRAL DR
CityAPTOS
StateCA
Zip95003-9735
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRA
Legal SubdivisionSOQUEL AUGMENTATION RANCHO
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1001
Census Tract122002

Owner

Source: Santa Cruz County records, as of September 28, 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 RecordIndividual Name on Record
Mailing Address175 CHAPARRAL DR, APTOS, CA 95003-9735
OccupancyOwner Occupied
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Sep 4, 2026Deed of Trust, Mortgage · Construction Mortgage
CROSSCOUNTRY MORTGAGE
Jun 3, 2022Grant Deed, Transfer · Conventional Mortgage
ANGEL OAK HOME LOANS LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 3, 2022 · Amount on Record
Deed SaleJun 3, 2022 · Amount on Record
Prior SaleDec 6, 2012 · Amount on Record
Deed Document Number202217221
Prior Transfer DateMay 21, 2012
Prior Transfer Doc0000026005
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Recording DateSep 4, 2026
Property Address175 CHAPARRAL DR, APTOS, CA 95003-9735
Document Number0000019987
Instrument DateAug 31, 2026
Instrument202619987
Transaction TypeMortgage
Record UpdatedSep 15, 2026
Title CompanyREPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address175 CHAPARRAL DR, APTOS, CA 95003-9735

Mortgage

Document Number0000019987,
DateSep 4, 2026
Instrument202619987
Lender
NameCROSSCOUNTRY MORTGAGE
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term4 Months
DueJan 1, 2027
Interest
Max Rate-1%

June 2022: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateJun 3, 2022
Property Address175 CHAPARRAL DR, APTOS, CA 95003-9735
Document Number0000017221
Instrument DateMay 5, 2022
Instrument2022-0017221
Transaction TypeTransfer
Record UpdatedSep 5, 2023
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,479.50
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address175 CHAPARRAL DR, APTOS, CA 95003-9735

Mortgage

Document Number0000017222
DateJun 3, 2022
Instrument2022-0017222
Lender
NameANGEL OAK HOME LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2052

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,455,871 (+2%) Land $968,777 Building $487,094
2025$16,852.00 (+10.9%)$1,427,325 (+4.04%) Land $949,781 Building $477,544
2023$15,195.00$1,371,900 Land $912,900 Building $459,000$1,075,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims7 (1982–2000)
Claims Outside the SFHA6 of 7
Most Recent ClaimFeb 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 RiskModerate
above 52% of the US · lower than 69% of California
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCENTRAL WATER DISTRICT
serves 2,726 people · EPA ID CA4410018
Water SourceGroundwater
Last State InspectionSep 2022
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 95 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Starlink
Satellite		280 / 30
Surfnet Communications
Fixed Wireless		100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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