234 Spreckels Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 234 Spreckels Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,447 sqft · built 1951
Lot Size	0.144 acres (6,251 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Jan 2003)
Tax Bill	$10,012 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042-067-36`

Property Details

APN / Parcel Number

Primary APN	`042-067-36`
Alternative APN	`042-067-36-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,447 sqft Living Area
Gross Area	1,797 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,251 sqft (0.144 acres)
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	234 SPRECKELS DR
City	APTOS
State	CA
Zip	95003-4561
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3005
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 Individual Names on Record
Mailing Address	234 SPRECKELS DR, APTOS, CA 95003-4561
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2003 · Amount on Record
Deed Sale	Jan 8, 2003 · Amount on Record
Deed Document Number	20032359
Last Transfer Date	Feb 22, 2007
Transfer Doc	0000011804
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	234 SPRECKELS DR, APTOS, CA 95003-4561
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 SPRECKELS DR, APTOS, CA 95003-4561

Mortgage

Document Number	0000020820
Date	Jul 14, 2022
Instrument	2022-0020820

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	234 SPRECKELS DR, APTOS, CA 95003-4561
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023184
Date	Jun 29, 2020
Instrument	2020-0023184

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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		$766,288 (+2%) Land $450,580 Building $315,708
2025	$10,012.00 (+10.5%) Homeowner's exemption	$751,264 (+4.04%) Land $441,746 Building $309,518
2023	$9,061.00 (+2.31%) Homeowner's exemption	$722,090 Land $424,592 Building $297,498	$1,115,460
2022	$8,856.00

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 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 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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