205 Florence Dr, Aptos, CA 95003 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,318 sqft
Lot Size	0.287 acres (12,502 sqft)
Owner	2 Trust Names on Record
Tax Bill	$7,466 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`043-021-39`

Property Details

APN / Parcel Number

Primary APN	`043-021-39`
Alternative APN	`043-021-39-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Building Area	2,318 sqft Living Area

Exterior

Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	12,502 sqft (0.287 acres)
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	788 sqft
Patio Area	788 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	205 FLORENCE DR
City	APTOS
State	CA
Zip	95003-5030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	APTOS BCH CNTRY CLB PROP 06
Legal Block	78
Legal Lot Number	18,19
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2014
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 Trust Names on Record
Mailing Address	205 FLORENCE DR, APTOS, CA 95003-5030
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Sep 8, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 1, 2017
Transfer Doc	0000029901
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	205 FLORENCE DR, APTOS, CA 95003-5030
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 FLORENCE DR, APTOS, CA 95003-5030

Mortgage

Document Number	0000044364
Date	Oct 28, 2020
Instrument	2020-0044364

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2050

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 8, 2017
Property Address	205 FLORENCE DR, APTOS, CA 95003-5030
Document Number	0000029901
Map Reference	MB23 PG35
Instrument	2017-0029901
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	205 FLORENCE DR, APTOS, CA 95003-5030

Mortgage

Document Number	0000029902
Date	Sep 8, 2017
Instrument	2017-0029902

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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		$458,045 (+2%) Land $199,150 Building $258,895
2025	$7,466.00 (+11.7%) Homeowner's exemption	$449,064 (+4.04%) Land $195,245 Building $253,819
2023	$6,684.00 (+2.97%) Homeowner's exemption	$431,627 Land $187,664 Building $243,963	$1,407,510
2022	$6,491.00

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 712 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cruzio, Etheric Networks, T-Mobile, Verizon.

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