206 Lake Ct, Aptos, CA 95003 Property Records

Santa Cruz County property record for 206 Lake Ct, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,659 sqft · built 1985
Lot Size	0.087 acres (3,790 sqft)
Owner	2 Company Names on Record
Last Sale	$1,500,000 (Oct 2024)
Tax Bill	$18,673 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`042-223-13`

Property Details

APN / Parcel Number

Primary APN	`042-223-13`
Alternative APN	`042-223-13-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,659 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,790 sqft (0.087 acres)
Garage Type	Carport
Garage Area	189 sqft
Carport	Carport
Carport Area	189 sqft
Deck Area	338 sqft
Patio Area	338 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	206 LAKE CT
City	APTOS
State	CA
Zip	95003-4617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	APTOS BCH CNTRY CLB PROP SUB 7
Legal Block	M
Legal Lot Number	16
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3009
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 Company Names on Record
Mailing Address	2858 FORBES AVE, SANTA CLARA, CA 95051-5667
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage CF BANK
May 31, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2024 · Amount on Record
Deed Sale	Oct 21, 2024 · Amount on Record
Prior Sale	May 31, 2018 · Amount on Record
Deed Document Number	202420600
Prior Transfer Date	Jun 30, 1998
Prior Transfer Doc	0000041323
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	206 LAKE CT, APTOS, CA 95003-4617
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 LAKE CT, APTOS, CA 95003-4617

Mortgage

Document Number	0000025321
Date	May 3, 2021
Instrument	2021-0025321

Lender

Name	CF BANK
Type	Bank
Address	COLUMBUS, OH 43085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 31, 2018
Property Address	206 LAKE CT, APTOS, CA 95003-4617
Document Number	0000016412
Map Reference	VOL 24 PG 24
Instrument Date	May 29, 2018
Instrument	2018-0016412
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1408 ARROWWOOD LN, ROSEVILLE, CA 95747-4608

Mortgage

Document Number	0000016413
Date	May 31, 2018
Instrument	2018-0016413

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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		$1,530,000 (+2%) Land $1,071,000 Building $459,000
2025	$18,673.00 (+43.73%)	$1,500,000 (+39.24%) Land $1,050,000 Building $450,000
2023	$12,992.00 (+2.13%)	$1,077,241 Land $754,069 Building $323,172	$1,122,120
2022	$12,721.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 63 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	7 (2023)
Most Recent Claim	Sep 2023 · tidal / storm surge
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 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 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 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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