220 Valencia Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 220 Valencia Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,890 sqft · built 1980
Lot Size	0.074 acres (3,223 sqft)
Owner	Trust Name on Record
Last Sale	$850,000 (Dec 2018)
Tax Bill	$12,329 (2025)
Deeds & Mortgages	Jul 2020 Transfer Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042-044-02`

Property Details

APN / Parcel Number

Primary APN	`042-044-02`
Alternative APN	`042-044-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,890 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,223 sqft (0.074 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	220 VALENCIA AVE
City	APTOS
State	CA
Zip	95003-4458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Description	BLK N LOT 2
Legal Subdivision	SEACLIFF PARK 08
Legal Lot Number	2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2012
Census Tract	122100

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	Trust Name on Record
Mailing Address	220 VALENCIA AVE, APTOS, CA 95003-4458
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage BAY FCU
Dec 7, 2018	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2018 · Amount on Record
Deed Sale	Dec 7, 2018 · Amount on Record
Prior Sale	Jul 31, 1998 · Amount on Record
Deed Document Number	201836374
Last Transfer Date	Jul 7, 2020
Transfer Doc	0000026025
Record Updated	Sep 20, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 16, 2020
Property Address	220 VALENCIA AVE, APTOS, CA 95003-4458
Document Number	0000026027
Instrument Date	Jul 7, 2020
Instrument	26027
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	796 CATHEDRAL DR APTOS CA 950033409, APTOS, CA 95003-3409

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 16, 2020
Property Address	220 VALENCIA AVE, APTOS, CA 95003-4458
Document Number	0000026025
Map Reference	VOL 23 PG 24
Instrument Date	Jul 7, 2020
Instrument	2020-0026025
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	Joint Tenants
Address	796 CATHEDRAL DR, APTOS, CA 95003-3409

Mortgage

Document Number	0000026026
Date	Jul 16, 2020
Instrument	2020-0026026

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 7, 2018
Property Address	220 VALENCIA AVE, APTOS, CA 95003-4458
Document Number	0000036374
Map Reference	VOL 23 PG 24
Instrument Date	Jun 21, 2018
Instrument	2018-0036374
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC 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	Family Trust
Address	796 CATHEDRAL DR, APTOS, CA 95003-3409

Mortgage

Document Number	0000036375
Date	Dec 7, 2018
Instrument	2018-0036375

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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		$967,156 (+2%) Land $677,009 Building $290,147
2025	$12,329.00 (+10.11%)	$948,191 (+4.04%) Land $663,734 Building $284,457
2023	$11,197.00 (+2.19%)	$911,372 Land $637,960 Building $273,412	$1,012,860
2022	$10,957.00

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	6 in force
Nearby Flood Claims	57 (1978–2023)
Claims Outside the SFHA	3 of 57
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 17 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 8 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 514 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
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Verizon.

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