231 Bowen Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 231 Bowen Ave, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,437 sqft · built 1969
Lot Size	0.277 acres (12,066 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (May 2004)
Tax Bill	$10,858 (2025)
Deeds & Mortgages	Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-372-09`

Property Details

APN / Parcel Number

Primary APN	`041-372-09`
Alternative APN	`041-372-09-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,437 sqft Living Area
Gross Area	1,897 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Wood
Roof Material	Other
Lot Area	12,066 sqft (0.277 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Deck Area	209 sqft
Patio Area	209 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	231 BOWEN AVE
City	APTOS
State	CA
Zip	95003-4205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	DEL MAR HEIGHTS UN 02 TR 304
Legal Lot Number	15
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2004
Census Tract	122204

Owner

Source: Santa Cruz County records · APN 041-372-09

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	231 BOWEN AVE, APTOS, CA 95003-4205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 10, 2004 · Amount on Record
Deed Sale	May 10, 2004 · Amount on Record
Deed Document Number	200432492
Last Transfer Date	Feb 03, 2014
Transfer Doc	0000006401
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	231 BOWEN AVE, APTOS, CA 95003-4205
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034514
Date	Nov 06, 2019
Instrument	2019-0034514

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution
Address	TEMPE, AZ 85281

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2049

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$942,653 (+2%) Land $638,104 Building $304,549
2025	$10,858.00 (+9.6%) Homeowner's exemption	$924,169 (+4.04%) Land $625,592 Building $298,577
2023	$9,907.00 (+1.67%) Homeowner's exemption	$888,283 Land $601,300 Building $286,983	$952,020
2022	$9,744.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 36% of the US · above 21% of California
Wildfire Likelihood	About 1 in 2,632 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 261 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Surfnet Communications, AT&T, Etheric Communications, LLC., Cruzio Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.