218 Spreckels Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 218 Spreckels Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,122 sqft · built 2008
Lot Size	0.107 acres (4,661 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Mar 2000)
Tax Bill	$15,074 (2025)
Deeds & Mortgages	Nov 2021 Transfer May 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042-201-22`

Property Details

APN / Parcel Number

Primary APN	`042-201-22`
Alternative APN	`042-201-22-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	2,122 sqft Living Area
Gross Area	2,643 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Wood
Roof Material	Tile
Lot Area	4,661 sqft (0.107 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	521 sqft
Parking Spaces	2 Parking Spaces
Deck Area	3,690 sqft
Patio Area	3,690 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	218 SPRECKELS DR
City	APTOS
State	CA
Zip	95003-4523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	APTOS BEACH CC PROPS 05
Legal Lot Number	11
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3005
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	Individual Name on Record
Mailing Address	PO BOX 1283, CAPITOLA, CA 95010-1283
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Intrafamily Transfer, Transfer
May 4, 2021	Deed of Trust, Mortgage · Line of Credit SANTA CRUZ COUNTY BANK
Dec 21, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage OWNING CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2000 · Amount on Record
Deed Sale	Mar 2, 2000 · Amount on Record
Deed Document Number	200010271
Last Transfer Date	Nov 10, 2021
Transfer Doc	0000056194
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 12, 2021
Property Address	218 SPRECKELS DR, APTOS, CA 95003-4523
Document Number	0000056194
Map Reference	MB 23 PG 25
Instrument Date	Nov 10, 2021
Instrument	2021-0056194
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Address	PO BOX 1283, CAPITOLA, CA 95010-1283

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	218 SPRECKELS DR, APTOS, CA 95003-4523
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 SPRECKELS DR, APTOS, CA 95003-4523

Mortgage

Document Number	0000025515
Date	May 4, 2021
Instrument	2021-0025515

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 21, 2020
Property Address	218 SPRECKELS DR, APTOS, CA 95003-4523
Document Number	0000055567
Map Reference	MB 23 PG 25
Instrument Date	Nov 12, 2020
Instrument	2020-0055567
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	ORANGE COAST TITLE COMPANY

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
Address	218 SPRECKELS DR, APTOS, CA 95003-4523

Mortgage

Document Number	0000055568
Date	Dec 21, 2020
Instrument	2020-0055568

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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		$1,221,966 (+2%) Land $135,396 Building $1,086,570
2025	$15,074.00 (+9.87%) Homeowner's exemption	$1,198,006 (+4.04%) Land $132,741 Building $1,065,265
2023	$13,720.00 (+1.55%) Homeowner's exemption	$1,151,486 Land $127,587 Building $1,023,899	$1,602,270
2022	$13,511.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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 564 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	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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