228 Lake Ct, Aptos, CA 95003 Property Records

Santa Cruz County property record for 228 Lake Ct, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,095 sqft · built 1966
Lot Size	0.075 acres (3,267 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Jun 1998)
Tax Bill	$7,199 (2025)
Deeds & Mortgages	Dec 2022 Transfer May 2017 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`042-223-19`

Property Details

APN / Parcel Number

Primary APN	`042-223-19`
Alternative APN	`042-223-19-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,095 sqft Living Area
Gross Area	1,375 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Roof Material	Other
Lot Area	3,267 sqft (0.075 acres)
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Deck Area	500 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	228 LAKE CT
City	APTOS
State	CA
Zip	95003-4617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	APTOS BEACH CC PROP
Legal Block	M
Legal Lot Number	1
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	2 Individual Names on Record
Mailing Address	228 LAKE CT, APTOS, CA 95003-4617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Intrafamily Transfer, Transfer
May 19, 2017	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
May 11, 2017	Deed of Trust, Mortgage · Conventional with PMI KRKABOB INCORPORATED KRKABOB INCORPORATED

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 1998 · Amount on Record
Deed Sale	Jun 18, 1998 · Amount on Record
Deed Document Number	199834260
Last Transfer Date	Dec 19, 2022
Transfer Doc	0000033900
Record Updated	Sep 20, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 27, 2022
Property Address	228 LAKE CT, APTOS, CA 95003-4617
Document Number	0000033900
Map Reference	MB 24 PG 24
Instrument Date	Dec 19, 2022
Instrument	2022-0033900
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
Relationship	Family Trust
Address	228 LAKE CT, APTOS, CA 95003-4617

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	228 LAKE CT, APTOS, CA 95003-4617
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016508
Date	May 19, 2017
Instrument	2017-0016508

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	228 LAKE CT, APTOS, CA 95003-4617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 LAKE CT, APTOS, CA 95003-4617

Mortgage

Document Number	0000043355
Date	Oct 23, 2020
Instrument	2020-0043355

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	228 LAKE CT, APTOS, CA 95003-4617
Document Number	0000016507
Instrument Date	May 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	228 LAKE CT APTOS CA 950034617, APTOS, CA 95003-4617

Mortgage

Document Number	0000016507
Date	May 19, 2017
Instrument	16507

Lender

Name	KRKABOB INCORPORATED KRKABOB INCORPORATED
Type	Funding / Finance Company
Address	PLEASANT HILL, CA 94523

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2047

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		$511,419 (+2%) Land $382,751 Building $128,668
2025	$7,199.00 (+11.2%) Homeowner's exemption	$501,391 (+4.04%) Land $375,246 Building $126,145
2023	$6,474.00 (+2.57%) Homeowner's exemption	$481,921 Land $360,675 Building $121,246	$1,512,270
2022	$6,312.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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.

Nearby Properties on Lake Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures