205 Baldwin Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 205 Baldwin Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,462 sqft · built 1996
Lot Size	0.139 acres (6,055 sqft)
Owner	2 Individual Names on Record
Last Sale	$690,000 (Apr 2013)
Tax Bill	$11,136 (2025)
Deeds & Mortgages	May 2022 Second Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`043-043-08`

Property Details

APN / Parcel Number

Primary APN	`043-043-08`
Alternative APN	`043-043-08-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,462 sqft Living Area
Gross Area	1,882 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,055 sqft (0.139 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	205 BALDWIN DR
City	APTOS
State	CA
Zip	95003-5003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	BLK 73 LOT 8
Legal Subdivision	APTOS BEACH CC PROP 06
Legal Block	73
Legal Lot Number	8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2010
Census Tract	122205

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 Individual Names on Record
Mailing Address	205 BALDWIN DR, APTOS, CA 95003-5003
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAY FCU
Jul 27, 2021	Deed of Trust, Mortgage · VA Mortgage THE MORTGAGE HUB
Dec 24, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2013 · Amount on Record
Deed Sale	Apr 15, 2013 · Amount on Record
Prior Sale	Jun 30, 2009 · Amount on Record
Deed Document Number	201318330
Prior Transfer Date	Aug 22, 2011
Prior Transfer Doc	0000034242
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	205 BALDWIN DR, APTOS, CA 95003-5003
Transaction Type	Mortgage
Record Updated	May 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 BALDWIN DR, APTOS, CA 95003-5003

Mortgage

Document Number	0000014957
Date	May 11, 2022
Instrument	2022-0014957

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	205 BALDWIN DR, APTOS, CA 95003-5003
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	USA NATIONAL TITLE COMPANY, USA NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 BALDWIN DR, APTOS, CA 95003-5003

Mortgage

Document Number	0000039527
Date	Jul 27, 2021
Instrument	2021-0039527

Lender

Name	THE MORTGAGE HUB
Type	Non-Lending Institution
Address	HUNTINGTON BEACH, CA 92649

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	205 BALDWIN DR, APTOS, CA 95003-5003
Document Number	0000000282
Instrument Date	Dec 24, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	205 BALDWIN DR APTOS CA 950035003, APTOS, CA 95003-5003

Mortgage

Document Number	0000000282
Date	Jan 6, 2020
Instrument	282

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 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		$866,680 (+2%) Land $520,008 Building $346,672
2025	$11,136.00 (+10.29%) Homeowner's exemption	$849,686 (+4.04%) Land $509,812 Building $339,874
2023	$10,097.00 (+2.27%) Homeowner's exemption	$816,692 Land $490,015 Building $326,677	$1,194,930
2022	$9,873.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force

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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% 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	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 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 574 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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