188 Sand Hill Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 188 Sand Hill Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,614 sqft · built 1977
Lot Size	1.1 acres (47,916 sqft)
Owner	Trust Name on Record
Tax Bill	$4,548 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-341-13`

Property Details

APN / Parcel Number

Primary APN	`105-341-13`
Alternative APN	`105-341-13-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,614 sqft Living Area
Gross Area	2,114 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	47,916 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Deck Area	465 sqft
Patio Area	465 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	188 SAND HILL RD
City	APTOS
State	CA
Zip	95003-9729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	PARCEL MAPS 48 PG 40
Legal Lot Number	D
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122204

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	Trust Name on Record
Mailing Address	188 SAND HILL RD, APTOS, CA 95003-9729
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORPORATION
Dec 11, 2020	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 30, 1996
Transfer Doc	0000050752
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	188 SAND HILL RD, APTOS, CA 95003-9729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010305
Date	Mar 25, 2020
Instrument	2020-0010305

Lender

Name	MASON MCDUFFIE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	188 SAND HILL RD, APTOS, CA 95003-9729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 SAND HILL RD, APTOS, CA 95003-9729

Mortgage

Document Number	0000053445
Date	Dec 11, 2020
Instrument	2020-0053445

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	188 SAND HILL RD, APTOS, CA 95003-9729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 SAND HILL RD, APTOS, CA 95003-9729

Mortgage

Document Number	0000041723
Date	Oct 14, 2020
Instrument	2020-0041723

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	Assessed Market Value
2026		$368,430 (+2%) Land $169,281 Building $199,149
2025	$4,548.00 (+10.79%) Homeowner's exemption	$361,206 (+4.04%) Land $165,962 Building $195,244
2023	$4,105.00 (+1.96%) Homeowner's exemption	$347,180 Land $159,517 Building $187,663	$964,440
2022	$4,026.00

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

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

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

Wildfire Risk	Moderate above 48% of the US · lower than 71% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CENTRAL WATER DISTRICT serves 2,726 people · EPA ID CA4410018
Water Source	Groundwater
Last State Inspection	Sep 2022
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	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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Cruzio, Etheric Networks, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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