228 North Ave, #A, Aptos, CA 95003 Property Records

Santa Cruz County property record for 228 North Ave, #A, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,733 sqft · built 1943
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$740,000 (Aug 2021)
Tax Bill	$13,735 (2025)
Deeds & Mortgages	Aug 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`042-041-69`

Property Details

APN / Parcel Number

Primary APN	`042-041-69`
Alternative APN	`042-041-69-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	1,733 sqft Living Area

Exterior

Year Built	Built 1943
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	228 NORTH AVE, A
City	APTOS
State	CA
Zip	95003-4413
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2001
Census Tract	122100

Owner

Source: Santa Cruz County assessment roll, 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 File
Mailing Address	469 RIALTO PL, SAN JOSE, CA 95128-5166
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 3, 2021 · Amount on Record
Deed Sale	Aug 3, 2021 · Amount on Record
Deed Document Number	202140772
Record Updated	Sep 20, 2026

August 2021: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 3, 2021
Property Address	228B NORTH AVE # A, A, APTOS, CA 95003-4413
Document Number	0000040772
Map Reference	MB 23 PG 24
Instrument Date	Jul 28, 2021
Instrument	2021-0040772
Transaction Type	Construction Loan
Record Updated	Sep 5, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Living Trust
Address	469 RIALTO PL, SAN JOSE, CA 95128-5166

Mortgage

Document Number	0000040773
Date	Aug 3, 2021
Instrument	2021-0040773

Lender

Name	THE CAVALLINO FUND LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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		$1,003,903 (+2%) Land $720,900 Building $283,003
2025	$13,735.00 (+16.4%)	$984,219 (+10.99%) Land $706,765 Building $277,454
2023	$11,800.00 (+26.94%)	$886,800 Land $679,320 Building $207,480	$776,250
2022	$9,296.00

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 USA Fixed Wireless	100 / 20

May also be available: Cruzio Internet, Etheric Communications, LLC., Surfnet Communications.