227 Highland Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 227 Highland Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,520 sqft · built 1963
Lot Size	0.154 acres (6,708 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,705,000 (Sep 2024)
Tax Bill	$20,885 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`042-233-17`

Property Details

APN / Parcel Number

Primary APN	`042-233-17`
Alternative APN	`042-233-17-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,520 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2017
Construction Type	Wood
Roof Material	Other
Lot Area	6,708 sqft (0.154 acres)
View / Lot	Ocean

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	227 HIGHLAND DR
City	APTOS
State	CA
Zip	95003-4614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	APTOS BEACH CC PROPERTIES
Legal Block	67
Legal Lot Number	19
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3008
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	2 Individual Names on Record
Mailing Address	2142 CEDARWOOD LN, SAN JOSE, CA 95125-4654
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jul 12, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 11, 2017	Grant Deed, Transfer · Conventional Mortgage PRINCETON CAP
Mar 3, 2017	Deed of Trust, Mortgage FRANK LORETZ
Mar 3, 2017	Grant Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2024 · Amount on Record
Deed Sale	Sep 27, 2024 · Amount on Record
Prior Sale	Sep 11, 2017 · Amount on Record
Deed Document Number	202418869
Prior Transfer Date	Jul 10, 2019
Prior Transfer Doc	0000019529
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	227 HIGHLAND DR, APTOS, CA 95003-4614
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 HIGHLAND DR, APTOS, CA 95003-4614

Mortgage

Document Number	0000007162
Date	Feb 5, 2021
Instrument	2021-0007162

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 12, 2019
Property Address	227 HIGHLAND DR, APTOS, CA 95003-4614
Document Number	0000019529
Instrument Date	Jul 10, 2019
Instrument	19529
Transaction Type	Transfer
Record Updated	Jul 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	227 HIGHLAND DR APTOS CA 950034614, APTOS, CA 95003-4614

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 11, 2017
Property Address	227 HIGHLAND DR, APTOS, CA 95003-4614
Document Number	0000030037
Instrument Date	Sep 6, 2017
Instrument	30037
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE CO/MT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,148.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 HIGHLAND DR APTOS CA 950034614, APTOS, CA 95003-4614

Mortgage

Document Number	30038
Date	Sep 11, 2017
Instrument	30038

Lender

Name	PRINCETON CAP
Type	Funding / Finance Company
Address	LOS GATOS, CA 95032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	227 HIGHLAND DR, APTOS, CA 95003-4614
Document Number	0000008596
Instrument Date	Mar 3, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 760 APTOS CA 950010760, APTOS, CA 95001-0760

Mortgage

Document Number	0000008596
Date	Mar 13, 2017
Instrument	8596

Lender

Name	FRANK LORETZ
Address	12495 E STOCKTON BLVD, GALT, CA 95632-8825

Agreement

Amount	Amount Recorded

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 3, 2017
Property Address	227 HIGHLAND DR, APTOS, CA 95003-4614
Document Number	0000007648
Instrument Date	Mar 1, 2017
Instrument	7648
Transaction Type	Transfer
Record Updated	Mar 21, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$1,171.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 760 APTOS CA 950010760, APTOS, CA 95001-0760

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		$1,739,100 (+2%) Land $1,391,280 Building $347,820
2025	$20,885.00 (+104.21%)	$1,705,000 (+105.74%) Land $1,364,000 Building $341,000
2023	$10,227.00 (+2.26%) Homeowner's exemption	$828,701 Land $558,406 Building $270,295	$1,201,140
2022	$10,001.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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