223 Saint Andrews Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 223 Saint Andrews Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,157 sqft · built 1973
Lot Size	0.324 acres (14,113 sqft)
Owner	2 Trust Names on File
Last Sale	$1,110,000 (Jun 2020)
Tax Bill	$15,783 (2025)
Deeds & Mortgages	Oct 2025 Transfer Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`053-023-04`

Property Details

APN / Parcel Number

Primary APN	`053-023-04`
Alternative APN	`053-023-04-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,157 sqft Living Area
Gross Area	2,690 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	14,113 sqft (0.324 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	533 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	221 SAINT ANDREWS DR
City	APTOS
State	CA
Zip	95003-5415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	COUNTRY CLUB PARK
Legal Lot Number	29
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1009
Census Tract	122203

Owner

223 Saint Andrews Dr is held in a trust since June 2020.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Trust Names on File
Mailing Address	18929 MONTE VISTA DR, SARATOGA, CA 95070-6298
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Intrafamily Transfer, Transfer
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage IMC MORTGAGE CORP
Jun 4, 2020	Grant Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP
Jun 4, 2020	Affidavit of Death, Transfer STEWART TITLE, STEWART TITLE/CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2020 · Amount on File
Deed Sale	Jun 4, 2020 · Amount on File
Deed Document Number	202019299
Prior Transfer Date	Feb 24, 2000
Prior Transfer Doc	0000014093
Record Updated	Sep 20, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 29, 2025
Property Address	223 SAINT ANDREWS DR, APTOS, CA 95003-5415
Document Number	0000023238
Map Reference	MB 34 PG 54
Instrument Date	Sep 12, 2025
Instrument	2025-0023238
Transaction Type	Transfer
Record Updated	Nov 13, 2025

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	18929 MONTE VISTA DR, SARATOGA, CA 95070-6298

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	221 SAINT ANDREWS DR, APTOS, CA 95003-5415
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	BNT TITLE COMPANY/CA, BNT TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 SAINT ANDREWS DR, APTOS, CA 95003-5415

Mortgage

Document Number	0000020896
Date	Apr 12, 2021
Instrument	2021-0020896

Lender

Name	IMC MORTGAGE CORP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 4, 2020
Property Address	221 SAINT ANDREWS DR, APTOS, CA 95003-5415
Document Number	0000019299
Map Reference	VOL 31 PG 35
Instrument Date	May 15, 2020
Instrument	2020-0019299
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount on Record
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
Address	2024 SEASCAPE BLVD, APTOS, CA 95003-5831

Mortgage

Document Number	0000019300
Date	Jun 4, 2020
Instrument	2020-0019300

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

June 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 4, 2020
Property Address	221 SAINT ANDREWS DR, APTOS, CA 95003-5415
Document Number	0000019298
Instrument Date	May 15, 2020
Instrument	19298
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	221 SAINT ANDREWS DR APTOS CA 950035415, APTOS, CA 95003-5415

Tax Assessment & Valuation

The 2025 property tax bill for 223 Saint Andrews Dr was $15,783.

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		$1,278,385 (+2%) Land $847,795 Building $430,590
2025	$15,783.00	$1,253,318 Land $831,171 Building $422,147
2023	$14,376.00 (+5.1%)	$1,204,650 Land $798,896 Building $405,754	$1,318,770
2022	$13,679.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 223 Saint Andrews Dr in Zone X, an area of minimal flood risk.

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	3 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

Wildfire risk around 223 Saint Andrews Dr is low, with a 0.01% annual chance of 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 519 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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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