190 Bowen Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 190 Bowen Ave, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,398 sqft · built 2005
Lot Size	1.02 acres (44,518 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Feb 2006)
Tax Bill	$21,378 (2025)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-232-35`

Property Details

APN / Parcel Number

Primary APN	`041-232-35`
Alternative APN	`041-232-35-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	3,398 sqft Living Area
Gross Area	3,921 sqft Gross Area
Fireplace	Fireplace
Fireplaces	1 Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	44,518 sqft
Parking Spaces	2 Parking Spaces
Garage Type	Attached
Garage Area	523 sqft Garage
Deck Area	2,165 sqft Deck
Patio Area	2,165 sqft Patio
Terrain	Steep

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	190 BOWEN AVE
City	APTOS
State	CA
Zip	95003-4204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	APTOS RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2012
Census Tract	122204

Owner

Source: Santa Cruz County records · APN 041-232-35

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	190 BOWEN AVE, APTOS, CA 95003-4204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 03, 2006 · Amount on Record
Deed Sale	Feb 03, 2006 · Amount on Record
Prior Sale	May 29, 2003 · Amount on Record
Deed Document Number	20066892
Transfer Doc	0000010115
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	190 BOWEN AVE, APTOS, CA 95003-4204
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TSI TITLE CO CALIF

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028783
Date	Aug 30, 2017
Instrument	2017-0028783

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2047

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,891,778 (+2%) Land $802,898 Building $1,088,880
2025	$21,378.00 (+9.14%) Homeowner's exemption	$1,854,685 (+4.04%) Land $787,155 Building $1,067,530
2023	$19,587.00 (+1.78%) Homeowner's exemption	$1,782,665 Land $756,589 Building $1,026,076	$1,351,260
2022	$19,244.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 11% of California
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.