235 Willow Hts, Aptos, CA 95003 Property Records

Santa Cruz County property record for 235 Willow Hts, Aptos, CA 95003

Property Summary

Property Type	Recreational Vacant Land
Details	4 bd · 2 ba · 2,532 sqft · built 1980
Lot Size	3.19 acres (139,261 sqft)
Owner	2 Individual Names on Record
Last Sale	$730,000 (May 2004)
Tax Bill	$12,639 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`108-281-10`

Property Details

APN / Parcel Number

Primary APN	`108-281-10`
Alternative APN	`108-281-10-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,532 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	139,261 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,150 sqft
Patio Area	1,150 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	235 WILLOW HTS
City	APTOS
State	CA
Zip	95003-9591
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Legal Subdivision	DE LAS CORRALITOS
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2005
Census Tract	122402

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	235 WILLOW HTS, APTOS, CA 95003-9591
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2004 · Amount on Record
Deed Sale	May 26, 2004 · Amount on Record
Prior Sale	Jul 31, 2002 · Amount on Record
Deed Document Number	200437781
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	235 WILLOW HTS, APTOS, CA 95003-9591
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 WILLOW HTS, APTOS, CA 95003-9591

Mortgage

Document Number	0000016230
Date	Mar 19, 2021
Instrument	2021-0016230

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	235 WILLOW HTS, APTOS, CA 95003-9591
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013049
Date	May 1, 2018
Instrument	2018-0013049

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2033

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		$1,058,671 (+2%) Land $568,492 Building $490,179
2025	$12,639.00 (+9.35%)	$1,037,913 (+4.04%) Land $557,345 Building $480,568
2023	$11,558.00 (+1.9%)	$997,610 Land $535,703 Building $461,907	$1,188,810
2022	$11,342.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	Moderate above 57% of the US · lower than 66% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio, Razzolink, Surfnet Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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