186 New Brighton Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 186 New Brighton Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,216 sqft · built 1951
Lot Size	0.272 acres (11,848 sqft)
Owner	2 Trust Names on Record
Tax Bill	$2,043 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`038-221-28`

Property Details

APN / Parcel Number

Primary APN	`038-221-28`
Alternative APN	`038-221-28-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,216 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Wood
Roof Material	Other
Lot Area	11,848 sqft (0.272 acres)

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	186 NEW BRIGHTON RD
City	APTOS
State	CA
Zip	95003-3521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	NEW BRIGHTON
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1014
Census Tract	122100

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	2 Trust Names on Record
Mailing Address	186 NEW BRIGHTON RD, APTOS, CA 95003-3521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Line of Credit GTE FEDERAL CREDIT UNION
Mar 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 2, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Mar 10, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage BAY FCU
Mar 13, 2017	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 24, 2021
Transfer Doc	0000012873
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 21, 2026
Property Address	186 NEW BRIGHTON RD, APTOS, CA 95003-3521
Document Number	0000021119
Instrument Date	Sep 15, 2026
Instrument	202621119
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	186 NEW BRIGHTON RD, APTOS, CA 95003-3521

Mortgage

Document Number	0000021119,
Date	Sep 21, 2026
Instrument	202621119

Lender

Name	GTE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 2, 2021
Property Address	186 NEW BRIGHTON RD, APTOS, CA 95003-3521
Document Number	0000012819
Map Reference	MB 12 PG 16
Instrument Date	Feb 25, 2021
Instrument	2021-0012819
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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	Community Property with Right of Survivorship
Address	186 NEW BRIGHTON RD, APTOS, CA 95003-3521

Mortgage

Document Number	0000012820
Date	Mar 2, 2021
Instrument	2021-0012820

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 2, 2021
Property Address	186 NEW BRIGHTON RD, APTOS, CA 95003-3521
Document Number	0000012873
Map Reference	MB 12 PG 16
Instrument Date	Feb 24, 2021
Instrument	2021-0012873
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

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	186 NEW BRIGHTON RD, APTOS, CA 95003-3521

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 10, 2017
Property Address	186 NEW BRIGHTON RD, APTOS, CA 95003-3521
Document Number	0000008499
Map Reference	MB12 PG16
Instrument Date	Mar 6, 2017
Instrument	2017-0008499
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	186 NEW BRIGHTON RD, APTOS, CA 95003-3521

Mortgage

Document Number	0000008500
Date	Mar 10, 2017
Instrument	2017-0008500

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 13, 2017
Property Address	186 NEW BRIGHTON RD, APTOS, CA 95003-3521
Document Number	0000008550
Instrument Date	Mar 6, 2017
Instrument	8550
Transaction Type	Transfer
Record Updated	Mar 31, 2017
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	186 NEW BRIGHTON RD APTOS CA 950033521, APTOS, CA 95003-3521

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Secondary School District	Santa Cruz City High School District (9-12) (09 - 12)
Elementary School District	Soquel Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$50,595 (+2%) Land $23,716 Building $26,879
2025	$2,043.00 (+8.61%) Homeowner's exemption	$49,603 (+4.04%) Land $23,251 Building $26,352
2023	$1,881.00 (+3.41%) Homeowner's exemption	$47,677 Land $22,348 Building $25,329	$1,463,310
2022	$1,819.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2023)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	PINE TREE LANE MUTUAL WATER CO private · serves 75 people · EPA ID CA4400582
Water Source	Groundwater
Last State Inspection	Jun 2025
Also Mapped Here	SOQUEL CREEK WATER DISTRICT
Lead	Under 1 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	1 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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Etheric Networks, GeoLinks.

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