230 Highland Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 230 Highland Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,228 sqft · built 1979
Lot Size	0.182 acres (7,928 sqft)
Owner	2 Company Names on Record
Last Sale	$1,599,500 (Apr 2019)
Tax Bill	$16,738 (2025)
Deeds & Mortgages	Jul 2026 Transfer Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042-222-06`

Property Details

APN / Parcel Number

Primary APN	`042-222-06`
Alternative APN	`042-222-06-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,228 sqft Living Area
Gross Area	2,686 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	7,928 sqft (0.182 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces
Deck Area	382 sqft
Patio Area	382 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	230 HIGHLAND DR
City	APTOS
State	CA
Zip	95003-4615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	APTOS BEACH CC PROPERTIES
Legal Block	66
Legal Lot Number	7
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 Company Names on Record
Mailing Address	230 HIGHLAND DR, APTOS, CA 95003-4615
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Affidavit of Death of Trustee, Transfer
Dec 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Apr 16, 2019	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2019 · Amount on Record
Deed Sale	Apr 16, 2019 · Amount on Record
Deed Document Number	20199695
Last Transfer Date	Jul 21, 2026
Transfer Doc	0000017013
Record Updated	Sep 20, 2026

July 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 28, 2026
Property Address	230 HIGHLAND DR, APTOS, CA 95003-4615
Document Number	0000017013
Instrument Date	Jul 21, 2026
Instrument	202617013
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	230 HIGHLAND DR, APTOS, CA 95003-4615
Investor	Possibly a Property Investor

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	230 HIGHLAND DR, APTOS, CA 95003-4615
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 HIGHLAND DR, APTOS, CA 95003-4615

Mortgage

Document Number	0000060071
Date	Dec 13, 2021
Instrument	2021-0060071

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

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

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 16, 2019
Property Address	230 HIGHLAND DR, APTOS, CA 95003-4615
Document Number	0000009695
Map Reference	MB 23 PG 35
Instrument Date	Apr 4, 2019
Instrument	2019-0009695
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO 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	Family Trust
Address	230 HIGHLAND DR, APTOS, CA 95003-4615

Mortgage

Document Number	0000009696
Date	Apr 16, 2019
Instrument	2019-0009696

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Mortgage

Document Number	0000009697
Date	Apr 16, 2019
Instrument	2019-0009697

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,372,142 (+2%) Land $930,534 Building $441,608
2025	$16,738.00 (+9.74%) Homeowner's exemption	$1,345,237 (+4.04%) Land $912,288 Building $432,949
2023	$15,252.00 (+2.08%) Homeowner's exemption	$1,293,000 Land $876,863 Building $416,137	$1,740,780
2022	$14,941.00

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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