Santa Cruz County property record for 20 Oak Tree Ln, Aptos, CA 95003 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1990 |
| Square Footage | 2,471 sqft Living Area |
| Lot Size | 1 acres |
| Occupancy | Owner Occupied |
| Last Sale | $1,200,000 (2024) |
| Tax Bill | $14,659.00 (2025) |
| Primary APN | 107-281-08 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 2,471 sqft Living Area |
| Gross Area | 2,941 sqft Gross Area |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Wood Construction |
| Roof Construction | Sawtooth Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,778 sqft |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 470 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Sewage | Septic Sewage |
| Water Source | Commercial Water Source |
| Street Address | 20 OAK TREE LN |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-9577 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Jurisdiction | SANTA CRUZ CA |
| Minor Civil Division | SANTA CRUZ |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 122002 |
Source: Santa Cruz County records · APN 107-281-08
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 | 20 OAK TREE LN, APTOS, CA 95003-9577 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage STAR ONE CU |
| Mar 18, 2024 | Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 18, 2024 · Amount on Record |
| Deed Sale | Mar 18, 2024 · Amount on Record |
| Prior Sale | Apr 13, 2012 · Amount on Record |
| Deed Doc Number | 20244892 |
| Prior Transfer Date | Apr 04, 2012 |
| Prior Transfer Doc | 0000018263 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 20 OAK TREE LN, APTOS, CA 95003-9577 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 20 OAK TREE LN, APTOS, CA 95003-9577 |
| Document Number | 0000021931 |
|---|---|
| Date | Oct 15, 2025 |
| Instrument | 2025-0021931 |
| Name | STAR ONE CU |
|---|---|
| Type | Credit Union |
| Address | SUNNYVALE, CA 94088 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Nov 01, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 7.37% |
| Index | 5-Year TN |
| Max Rate | 10.3% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 18, 2024 |
| Property Address | 20 OAK TREE LN, APTOS, CA 95003-9577 |
| Document Number | 0000004892 |
| Map Reference | MB 41 PG 71 |
| Instrument Date | Mar 11, 2024 |
| Instrument | 2024-0004892 |
| Transaction Type | Transfer |
| Record Updated | Apr 05, 2024 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,320.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 20 OAK TREE LN, APTOS, CA 95003-9577 |
| Document Number | 0000004893 |
|---|---|
| Date | Mar 18, 2024 |
| Instrument | 2024-0004893 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 20 OAK TREE LN, APTOS, CA 95003-9577 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | AMROCK TITLE CA |
| Name | Verified Name |
|---|---|
| Address | 20 OAK TREE LN, APTOS, CA 95003-9577 |
| Document Number | 0000000044 |
|---|---|
| Date | Jan 04, 2021 |
| Instrument | 2021-0000044 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 284 Months |
| Due | Sep 01, 2044 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
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 | $1,248,480 (+2%) Land $988,380 Building $260,100 | ||
| 2025 | $14,659.00 (+89.25%) Homeowner's exemption | $1,224,000 (+89.5%) Land $969,000 Building $255,000 | |
| 2023 | $7,746.00 (+2%) | $645,897 Land $374,258 Building $271,639 | $925,380 |
| 2022 | $7,594.00 |
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