225 Chaparral Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 225 Chaparral Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,476 sqft · built 1976
Lot Size	0.771 acres (33,585 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,500 (Jan 2008)
Tax Bill	$10,946 (2025)
Deeds & Mortgages	Mar 2024 Transfer Mar 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`105-241-40`

Property Details

APN / Parcel Number

Primary APN	`105-241-40`
Alternative APN	`105-241-40-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,476 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Roof Material	Other
Lot Area	33,585 sqft (0.771 acres)
Terrain	Steep
View / Lot	Mountain
Deck Area	364 sqft
Patio Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	225 CHAPARRAL DR
City	APTOS
State	CA
Zip	95003-9735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1001
Census Tract	122002

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 Individual Names on Record
Mailing Address	225 CHAPARRAL DR, APTOS, CA 95003-9735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Intrafamily Transfer, Transfer
Mar 12, 2024	Intrafamily Transfer, Transfer
Jan 21, 2020	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Oct 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 31, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2008 · Amount on Record
Deed Sale	Jan 4, 2008 · Amount on Record
Deed Document Number	2008360
Last Transfer Date	Mar 12, 2024
Transfer Doc	0000004577
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 12, 2024
Property Address	225 CHAPARRAL DR, APTOS, CA 95003-9735
Document Number	0000004576
Instrument Date	Mar 12, 2024
Instrument	2024-0004576
Transaction Type	Transfer
Record Updated	Apr 5, 2024

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	Community Property with Right of Survivorship
Address	225 CHAPARRAL DR, APTOS, CA 95003-9735

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 12, 2024
Property Address	225 CHAPARRAL DR, APTOS, CA 95003-9735
Document Number	0000004577
Instrument Date	Mar 12, 2024
Instrument	2024-0004577
Transaction Type	Transfer
Record Updated	Apr 5, 2024

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 Revocable Trust
Address	225 CHAPARRAL DR, APTOS, CA 95003-9735

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	225 CHAPARRAL DR, APTOS, CA 95003-9735
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002172
Date	Jan 21, 2020
Instrument	2020-0002172

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	225 CHAPARRAL DR, APTOS, CA 95003-9735
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031405
Date	Oct 11, 2019
Instrument	2019-0031405

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	225 CHAPARRAL DR, APTOS, CA 95003-9735
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041434
Date	Dec 31, 2019
Instrument	2019-0041434

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$938,525 (+2%) Land $563,115 Building $375,410
2025	$10,946.00 (+9.51%)	$920,123 (+4.04%) Land $552,074 Building $368,049
2023	$9,995.00 (+1.81%)	$884,393 Land $530,636 Building $353,757	$839,070
2022	$9,817.00

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	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 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	Moderate above 51% of the US · lower than 70% of California
Wildfire Likelihood	0.1% 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	CENTRAL WATER DISTRICT serves 2,726 people · EPA ID CA4410018
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 1 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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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