Santa Cruz County property record for 184 Zanzibar Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,821 sqft · built 2006 |
| Lot Size | 0.226 acres (9,845 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $2,000,000 (May 2014) |
| Tax Bill | $29,248 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 053-171-06 |
| Primary APN | 053-171-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 3,821 sqft Living Area |
| Gross Area | 4,497 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 9,845 sqft (0.226 acres) |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 735 sqft |
| Patio Area | 735 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 184 ZANZIBAR DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6 |
| Legal Subdivision | SEASCAPE UPLANDS TR #1304 |
| Legal Lot Number | 77 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 122202 |
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 | 2 Trust Names on Record |
|---|---|
| Mailing Address | 184 ZANZIBAR DR, APTOS, CA 95003-5541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC |
| Jan 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2014 · Amount on Record |
| Deed Sale | May 27, 2014 · Amount on Record |
| Prior Sale | Apr 6, 2007 · Amount on Record |
| Deed Document Number | 201416911 |
| Last Transfer Date | Aug 5, 2016 |
| Transfer Doc | 0000030032 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 184 ZANZIBAR DR, APTOS, CA 95003-5541 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 184 ZANZIBAR DR, APTOS, CA 95003-5541 |
| Document Number | 0000017082 |
|---|---|
| Date | Mar 24, 2021 |
| Instrument | 2021-0017082 |
| Name | COMMERCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 184 ZANZIBAR DR, APTOS, CA 95003-5541 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000001405 |
|---|---|
| Date | Jan 14, 2020 |
| Instrument | 2020-0001405 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Feb 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.12% |
| Index | 1-Year CMT |
| Max Rate | 8.12% |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,500,762 (+2%) Land $1,500,457 Building $1,000,305 | ||
| 2025 | $29,248.00 (+9.29%) Homeowner's exemption | $2,451,727 (+4.04%) Land $1,471,036 Building $980,691 | |
| 2023 | $26,762.00 (+1.87%) Homeowner's exemption | $2,356,524 Land $1,413,914 Building $942,610 | $2,709,180 |
| 2022 | $26,271.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 6 (1982–2016) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Mar 2016 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 78% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 118 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.
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