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2020 Trout Gulch Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 2020 Trout Gulch Rd, Aptos, CA 95003

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,613 sqft · built 1976
Lot Size1.61 acres (70,206 sqft)
Owner2 Individual Names on Record
Tax Bill$4,900 (2025)
Deeds & MortgagesMay 2022 Transfer
Nov 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN041-121-35

Property Details

APN / Parcel Number

Primary APN041-121-35
Alternative APNs
  • 041-121-35-000
  • 041-121-81-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,613 sqft Living Area
Gross Area2,009 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Architectural StyleContemporary
Exterior MaterialWood
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area70,206 sqft
Garage TypeAttached
Garage Area396 sqft
Deck Area138 sqft

Utilities, Heating & Cooling

Heating SystemBaseboard
Heating FuelOil
SewerSeptic
Water SourceWell

Location & Zoning

Old Parcel Number04112135000
Street Address2020 TROUT GULCH RD
CityAPTOS
StateCA
Zip95003-3032
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRA
Legal SubdivisionAPTOS RHO
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1023
Census Tract122002

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 Record2 Individual Names on Record
Mailing Address2020 TROUT GULCH RD, APTOS, CA 95003-3032
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 27, 2022Intrafamily Transfer, Transfer
Nov 4, 2019Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateApr 15, 2022
Transfer Doc0000016573
Record UpdatedSep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateMay 27, 2022
Property Address2022 TROUT GULCH RD, APTOS, CA 95003-3032
Document Number0000016573
Map ReferenceDOC 2001-0036766
Instrument DateApr 15, 2022
Instrument2022-0016573
Transaction TypeTransfer
Record UpdatedSep 5, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2020 TROUT GULCH RD, APTOS, CA 95003-3032

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address2020 TROUT GULCH RD, APTOS, CA 95003-3032
Document Number0000035099
Instrument DateNov 4, 2019
Transaction TypeMortgage
Record UpdatedNov 27, 2019
Title CompanyAMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2020 TROUT GULCH RD APTOS CA 950033032, APTOS, CA 95003-3032

Mortgage

Document Number0000035099
DateNov 12, 2019
Instrument35099
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 11, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$346,610 (+1.75%) Land $118,638 Building $227,972
2025$4,900.00 (+8.22%) Homeowner's exemption$340,644 (+4.04%) Land $117,142 Building $223,502
2024$4,528.00 (+1.96%)
2023$4,441.00 (+2.3%) Homeowner's exemption$327,417 Land $112,594 Building $214,823$942,480
2022$4,341.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims7 (1982–2000)
Claims Outside the SFHA6 of 7
Most Recent ClaimFeb 2000 · rainfall accumulation
Claims by Event
  • Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 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 RiskModerate
above 66% of the US · above 40% of California
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemTROUT GULCH MUTUAL WATER COMPANY
private · serves 614 people · EPA ID CA4400502
Water SourceGroundwater
Last State InspectionJul 2024
Lead4 ppb (2025–2027)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 15 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35

May also be available: Etheric Networks.

Cell Coverage

4G LTE only, no 5G reported

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