224 Center Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 224 Center Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,524 sqft · built 1971
Lot Size	0.106 acres (4,617 sqft)
Owner	Individual Name on Record
Last Sale	$1,350,000 (Apr 2022)
Tax Bill	$17,731 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`042-042-31`

Property Details

APN / Parcel Number

Primary APN	`042-042-31`
Alternative APN	`042-042-31-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	1,524 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Wood
Roof Material	Other
Lot Area	4,617 sqft (0.106 acres)
Garage Type	Carport
Garage Area	300 sqft
Carport	Carport
Carport Area	300 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	224 CENTER AVE
City	APTOS
State	CA
Zip	95003-4403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-3
Legal Subdivision	SEACLIFF PARK 08
Legal Block	S
Legal Lot Number	7
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2003
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	Individual Name on Record
Mailing Address	224 CENTER AVE, APTOS, CA 95003-4403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Nov 15, 2018	Deed of Trust, Mortgage · Line of Credit MONTEREY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2022 · Amount on Record
Deed Sale	Apr 11, 2022 · Amount on Record
Prior Sale	May 21, 2013 · Amount on Record
Deed Document Number	202211660
Record Updated	Sep 20, 2026

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 11, 2022
Property Address	224 CENTER AVE, APTOS, CA 95003-4403
Document Number	0000011660
Map Reference	MB 23 PG 24
Instrument Date	Apr 8, 2022
Instrument	2022-0011660
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 CENTER AVE, APTOS, CA 95003-4403

Mortgage

Document Number	0000011661
Date	Apr 11, 2022
Instrument	2022-0011661

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	224 CENTER AVE, APTOS, CA 95003-4403
Document Number	0000034651
Instrument Date	Nov 15, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 CENTER AVE APTOS CA 950034403, APTOS, CA 95003-4403

Mortgage

Document Number	0000034651
Date	Nov 20, 2018
Instrument	34651

Lender

Name	MONTEREY CU
Address	MONTEREY, CA 93940

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 19, 2043

Interest

Rate Type	Adjustable Rate

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		$1,461,284 (+2%) Land $1,169,027 Building $292,257
2025	$17,731.00 (+9.68%) Homeowner's exemption	$1,432,631 (+4.04%) Land $1,146,105 Building $286,526
2023	$16,166.00 (+62.6%) Homeowner's exemption	$1,377,000 Land $1,101,600 Building $275,400	$1,306,080
2022	$9,942.00

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	0.01% 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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