235 Valencia Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 235 Valencia Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,449 sqft · built 1956
Lot Size	0.414 acres (18,034 sqft)
Owner	2 Company Names on Record
Last Sale	$655,000 (May 2013)
Tax Bill	$9,453 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-072-06`

Property Details

APN / Parcel Number

Primary APN	`041-072-06`
Alternative APN	`041-072-06-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,449 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Duplex Single
Construction Type	Wood
Lot Area	18,034 sqft (0.414 acres)

Location & Zoning

Street Address	235 VALENCIA RD
City	APTOS
State	CA
Zip	95003-9589
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	FOREST GLEN 03
Legal Lot Number	5,6
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1023
Census Tract	122002

Owner

Source: Santa Cruz County records, as of August 20, 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	235 VALENCIA RD, APTOS, CA 95003-9589
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Line of Credit STAR ONE CREDIT UNION
Dec 12, 2025	Intrafamily Transfer, Transfer
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2013 · Amount on Record
Deed Sale	May 23, 2013 · Amount on Record
Deed Document Number	201325722
Prior Transfer Date	Mar 12, 2004
Prior Transfer Doc	0000021556
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 4, 2026
Property Address	235 VALENCIA RD, APTOS, CA 95003-9589
Document Number	0000017598
Instrument Date	Jul 27, 2026
Instrument	202617598
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	235 VALENCIA RD, APTOS, CA 95003-9589

Mortgage

Document Number	0000017598,
Date	Aug 4, 2026
Instrument	202617598

Lender

Name	STAR ONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Oct 12, 2051

Interest

Rate	6.49%
Max Rate	-1%

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 12, 2025
Property Address	235 VALENCIA RD, APTOS, CA 95003-9589
Document Number	0000027286
Map Reference	MB 23 PG 11
Instrument Date	Oct 30, 2025
Instrument	2025-0027286
Transaction Type	Transfer
Record Updated	Dec 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 VALENCIA RD, APTOS, CA 95003-9589

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	235 VALENCIA RD, APTOS, CA 95003-9589
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 VALENCIA RD, APTOS, CA 95003-9589

Mortgage

Document Number	0000060686
Date	Dec 16, 2021
Instrument	2021-0060686

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2042

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
2026		$797,596 (+2%) Land $420,779 Building $376,817
2025	$9,453.00 (+7.89%)	$781,958 (+4.04%) Land $412,529 Building $369,429
2024	$8,762.00 (+1.58%)
2023	$8,626.00 (+1.82%)	$751,593 Land $396,510 Building $355,083
2022	$8,472.00

Assessed value is set for property tax purposes and is not a market price estimate.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 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 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TROUT GULCH MUTUAL WATER COMPANY private · serves 614 people · EPA ID CA4400502
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	4 ppb (2025–2027) 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 286 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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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