228 Poplar St, Aptos, CA 95003 Property Records

Santa Cruz County property record for 228 Poplar St, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,928 sqft · built 1963
Lot Size	0.182 acres (7,928 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,620 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-101-15`

Property Details

APN / Parcel Number

Primary APN	`038-101-15`
Alternative APN	`038-101-15-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Building Area	1,928 sqft Living Area

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	7,928 sqft (0.182 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	226 POPLAR ST
City	APTOS
State	CA
Zip	95003-3555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TR 175
Legal Subdivision	POPLAR PARK SUB TR #175
Legal Tract	175
Legal Lot Number	12
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1019
Census Tract	122100

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	226 POPLAR ST, APTOS, CA 95003-3555
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Oct 22, 2025	Intrafamily Transfer, Transfer
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 24, 1996
Transfer Doc	0000011201
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	228 POPLAR ST, APTOS, CA 95003-3555
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 POPLAR ST, APTOS, CA 95003-3555

Mortgage

Document Number	0000012695
Date	Apr 20, 2022
Instrument	2022-0012695

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 22, 2025
Property Address	228 POPLAR ST, APTOS, CA 95003-3555
Document Number	0000022670
Map Reference	VOL 37 PG 29
Instrument Date	Oct 11, 2025
Instrument	2025-0022670
Transaction Type	Transfer
Record Updated	Nov 7, 2025

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
Address	226 POPLAR ST, APTOS, CA 95003-3555

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	226 POPLAR ST, APTOS, CA 95003-3555
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 POPLAR ST, APTOS, CA 95003-3555

Mortgage

Document Number	0000043155
Date	Oct 22, 2020
Instrument	2020-0043155

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

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		$278,810 (+2%) Land $159,324 Building $119,486
2025	$4,620.00 (+12.68%) Homeowner's exemption	$273,342 (+4.04%) Land $156,200 Building $117,142
2023	$4,100.00 (+3.04%) Homeowner's exemption	$262,728 Land $150,134 Building $112,594	$955,080
2022	$3,979.00

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
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2023)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 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	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 561 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio, Surfnet Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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