207 Toledo Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 207 Toledo Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,674 sqft · built 1991
Lot Size	0.142 acres (6,186 sqft)
Owner	2 Trust Names on Record
Last Sale	$1,410,000 (Jul 2017)
Tax Bill	$19,668 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`043-054-01`

Property Details

APN / Parcel Number

Primary APN	`043-054-01`
Alternative APN	`043-054-01-000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	2,674 sqft Living Area
Gross Area	3,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,186 sqft (0.142 acres)
Garage Type	Attached
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces
Deck Area	338 sqft
Patio Area	338 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	207 TOLEDO DR
City	APTOS
State	CA
Zip	95003-5317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TRACT 10 BLK 102 LOT 6
Legal Subdivision	RIO DEL MAR CNTRY CLB S10 TR10
Legal Tract	10
Legal Block	102
Legal Lot Number	6
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2011
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	207 TOLEDO DR, APTOS, CA 95003-5317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 23, 2023	Deed of Trust, Mortgage · Commercial Mortgage RN REAL PROP LLC
May 22, 2020	Deed of Trust, Mortgage · Commercial Mortgage COMERICA BANK
Jul 31, 2017	Grant Deed, Transfer · Conventional Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017 · Amount on Record
Deed Sale	Jul 31, 2017 · Amount on Record
Prior Sale	May 21, 2013 · Amount on Record
Deed Document Number	201725154
Prior Transfer Date	Feb 22, 2008
Prior Transfer Doc	0000009334
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	207 TOLEDO DR, APTOS, CA 95003-5317
Transaction Type	Mortgage
Record Updated	Mar 11, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 TOLEDO DR, APTOS, CA 95003-5317

Mortgage

Document Number	0000002285
Date	Feb 7, 2024
Instrument	2024-0002285

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	207 TOLEDO DR, APTOS, CA 95003-5317
Transaction Type	Mortgage
Record Updated	Nov 8, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 TOLEDO DR, APTOS, CA 95003-5317

Mortgage

Document Number	0000020323
Date	Oct 23, 2023
Instrument	2023-0020323

Lender

Name	RN REAL PROP LLC
Type	Non-Lending Institution
Address	SAN JOSE, CA 95123

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	207 TOLEDO DR, APTOS, CA 95003-5317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017693
Date	May 22, 2020
Instrument	2020-0017693

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 31, 2017
Property Address	207 TOLEDO DR, APTOS, CA 95003-5317
Document Number	0000025154
Instrument Date	Jul 19, 2017
Instrument	25154
Transaction Type	Transfer
Record Updated	Oct 27, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,551.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	207 TOLEDO DR APTOS CA 950035317, APTOS, CA 95003-5317

Mortgage

Document Number	25155
Date	Jul 31, 2017
Instrument	25155

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 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		$1,636,426 (+2%) Land $818,213 Building $818,213
2025	$19,668.00 (+9.59%) Homeowner's exemption	$1,604,340 (+4.04%) Land $802,170 Building $802,170
2023	$17,947.00 (+1.59%) Homeowner's exemption	$1,542,042 Land $771,021 Building $771,021	$1,659,060
2022	$17,666.00

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 97% of the US · lower than 97.8% 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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