226 Highland Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 226 Highland Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,839 sqft · built 1935
Lot Size	0.194 acres (8,451 sqft)
Owner	Individual Name on Record
Last Sale	$1,700,000 (Feb 2019)
Tax Bill	$23,049 (2025)
Deeds & Mortgages	Sep 2022 Transfer Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`042-222-04`

Property Details

APN / Parcel Number

Primary APN	`042-222-04`
Alternative APN	`042-222-04-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,839 sqft Living Area
Gross Area	2,169 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Construction Type	Wood
Roof Material	Tile
Lot Area	8,451 sqft (0.194 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Well

Location & Zoning

Street Address	226 HIGHLAND DR
City	APTOS
State	CA
Zip	95003-4615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4-L
Legal Subdivision	APTOS BEACH CC PROPS 06
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3009
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	1451 RIVER PARK DR, 299, SACRAMENTO, CA 95815-4522
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Intrafamily Transfer, Transfer
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jul 22, 2020	Deed of Trust, Mortgage · Line of Credit OPES ADVISORS
Apr 9, 2020	Deed of Trust, Construction Loan · Construction Mortgage THE BRIDGE LOANS INC THE BRIDGE LOANS INC
Feb 12, 2019	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2019 · Amount on Record
Deed Sale	Feb 12, 2019 · Amount on Record
Prior Sale	Sep 22, 2016 · Amount on Record
Deed Document Number	20193613
Last Transfer Date	Sep 14, 2022
Transfer Doc	0000026244
Record Updated	Sep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 20, 2022
Property Address	226 HIGHLAND DR, APTOS, CA 95003-4615
Document Number	0000026244
Map Reference	MB 24 PG 25
Instrument Date	Sep 14, 2022
Instrument	2022-0026244
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	1451 RIVER PARK DR STE 299, 299, SACRAMENTO, CA 95815-4522

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	226 HIGHLAND DR, APTOS, CA 95003-4615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028528
Date	Jul 30, 2020
Instrument	2020-0028528

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	226 HIGHLAND DR, APTOS, CA 95003-4615
Document Number	0000028529
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	226 HIGHLAND DR APTOS CA 950034615, APTOS, CA 95003-4615

Mortgage

Document Number	0000028529
Date	Jul 30, 2020
Instrument	28529

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2050

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 9, 2020
Property Address	226 HIGHLAND DR, APTOS, CA 95003-4615
Document Number	0000012301
Instrument Date	Apr 3, 2020
Instrument	12301
Transaction Type	Construction Loan
Record Updated	May 7, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2817 SOLONS ALY SACRAMENTO CA 958167365, SACRAMENTO, CA 95816-7365

Mortgage

Document Number	0000012301
Date	Apr 9, 2020
Instrument	12301

Lender

Name	THE BRIDGE LOANS INC THE BRIDGE LOANS INC
Type	Bank
Address	1209 MANHATTAN AVE # 198, MANHATTAN BEACH, CA 90266-4721

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 8, 2021

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 12, 2019
Property Address	226 HIGHLAND DR, APTOS, CA 95003-4615
Document Number	0000003613
Map Reference	MB 24 PG 25
Instrument Date	Feb 7, 2019
Instrument	2019-0003613
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	Community Property with Right of Survivorship
Address	1451 RIVER PARK DR STE 299, 299, SACRAMENTO, CA 95815-4522

Mortgage

Document Number	0000003614
Date	Feb 12, 2019
Instrument	2019-0003614

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 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		$1,934,310 (+2%) Land $1,536,070 Building $398,240
2025	$23,049.00 (+9.44%)	$1,896,383 (+4.04%) Land $1,505,951 Building $390,432
2023	$21,061.00 (+1.98%)	$1,822,744 Land $1,447,473 Building $375,271	$1,807,110
2022	$20,653.00

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 712 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cruzio, Etheric Networks, T-Mobile, Verizon.

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