232 Treasure Island Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 232 Treasure Island Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,306 sqft · built 1989
Lot Size	0.066 acres (2,875 sqft)
Owner	Individual Name on File
Tax Bill	$5,716 (2025)
Deeds & Mortgages	Jan 2023 Transfer Jan 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`042-181-19`

Property Details

APN / Parcel Number

Primary APN	`042-181-19`
Alternative APN	`042-181-19-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,306 sqft Living Area
Gross Area	1,546 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	2,875 sqft (0.066 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	232 TREASURE ISLAND DR
City	APTOS
State	CA
Zip	95003-4527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-3.5
Legal Subdivision	APTOS BEACH CC PROPS 05
Legal Block	59
Legal Lot Number	26
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3016
Census Tract	122205

Owner

232 Treasure Island Dr is owned by an individual who acquired it in January 1996.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	372 ARBOL DR, WATSONVILLE, CA 95076-2757
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2023	Intrafamily Transfer, Transfer
Jan 24, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 8, 1996
Transfer Doc	0000002404
Record Updated	Oct 29, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 24, 2023
Property Address	232 TREASURE ISLAND DR, APTOS, CA 95003-4527
Document Number	0000001150
Map Reference	VOL 23 PG 25
Instrument Date	Dec 26, 2022
Instrument	2023-0001150
Transaction Type	Transfer
Record Updated	Feb 13, 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
Address	209 EL CAMINO DEL MAR, APTOS, CA 95003-4449

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 24, 2023
Property Address	232 TREASURE ISLAND DR, APTOS, CA 95003-4527
Document Number	0000001151
Map Reference	MB 23 PG 25
Instrument Date	Dec 2, 2022
Instrument	2023-0001151
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	209 EL CAMINO DEL MAR, APTOS, CA 95003-4449

Tax Assessment & Valuation

The 2025 property tax bill for 232 Treasure Island Dr was $5,716.

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		$370,481 (+2%) Land $194,523 Building $175,958
2025	$5,716.00	$363,216 Land $190,708 Building $172,508
2023	$5,112.00 (+2.75%)	$349,113 Land $183,303 Building $165,810	$1,256,040
2022	$4,975.00

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

Flood

FEMA maps place 232 Treasure Island Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 232 Treasure Island Dr is low, with a 0.01% annual chance of 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 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 Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

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