233 Lake Ct, Aptos, CA 95003 Property Records

Santa Cruz County property record for 233 Lake Ct, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,224 sqft · built 1962
Lot Size	0.082 acres (3,572 sqft)
Owner	Individual Name on Record
Last Sale	$1,200,000 (Aug 2023)
Tax Bill	$15,447 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`042-224-01`

Property Details

APN / Parcel Number

Primary APN	`042-224-01`
Alternative APN	`042-224-01-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,224 sqft Living Area
Gross Area	1,658 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1997
Construction Type	Wood
Roof Material	Other
Lot Area	3,572 sqft (0.082 acres)
Garage Type	Attached
Garage Area	434 sqft
Parking Spaces	2 Parking Spaces
Deck Area	445 sqft
Patio Area	445 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	233 LAKE CT
City	APTOS
State	CA
Zip	95003-4616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Description	BLK 47 LOT 1
Legal Subdivision	APTOS BCH CNTRY CLB PROP SUB 4
Legal Block	47
Legal Lot Number	1
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	Individual Name on Record
Mailing Address	898 BICKNELL RD, LOS GATOS, CA 95030-2112
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 7, 2023	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 5, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2023 · Amount on Record
Deed Sale	Aug 7, 2023 · Amount on Record
Prior Sale	Sep 19, 1997 · Amount on Record
Deed Document Number	202314628
Prior Transfer Date	Mar 16, 2022
Prior Transfer Doc	0000011051
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	233 LAKE CT, APTOS, CA 95003-4616
Transaction Type	Mortgage
Record Updated	Feb 6, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 BICKNELL RD, LOS GATOS, CA 95030-2112

Mortgage

Document Number	0000001294
Date	Jan 23, 2024
Instrument	2024-0001294

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Sep 1, 2053

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 7, 2023
Property Address	233 LAKE CT, APTOS, CA 95003-4616
Document Number	0000014628
Map Reference	MB 23 PG 15
Instrument Date	Jul 31, 2023
Instrument	2023-0014628
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	898 BICKNELL RD, LOS GATOS, CA 95030-2112

Mortgage

Document Number	0000014629
Date	Aug 7, 2023
Instrument	2023-0014629

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 5, 2022
Property Address	233 LAKE CT, APTOS, CA 95003-4616
Document Number	0000011051
Map Reference	MB 23 PG 15
Instrument Date	Mar 16, 2022
Instrument	2022-0011051
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
Address	233 LAKE CT, APTOS, CA 95003-4616

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		$1,248,480 (+2%) Land $873,936 Building $374,544
2025	$15,447.00 (+176.98%)	$1,224,000 (+206.73%) Land $856,800 Building $367,200
2023	$5,577.00 (+2.71%) Homeowner's exemption	$399,042 (+2%) Land $276,260 Building $122,782	$1,048,950
2022	$5,430.00 Homeowner's exemption	$391,217 Land $270,843 Building $120,374

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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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