240 Light Springs Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 240 Light Springs Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 6,389 sqft · built 1995
Lot Size	3.52 acres (153,418 sqft)
Owner	2 Individual Names on File
Last Sale	$2,355,000 (Feb 2017)
Tax Bill	$29,317 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`107-531-15`

Property Details

APN / Parcel Number

Primary APN	`107-531-15`
Alternative APN	`107-531-15-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Building Area	6,389 sqft Living Area
Gross Area	7,445 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Tile
Lot Area	153,418 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	240 LIGHT SPRINGS RD
City	APTOS
State	CA
Zip	95003-9593
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Legal Subdivision	DE LOS CORRALITOS RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122002

Owner

240 Light Springs Rd is owned and occupied by two individuals who acquired it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	240 LIGHT SPRINGS RD, APTOS, CA 95003-9593
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 17, 2018	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Feb 21, 2017	Grant Deed, Transfer · ARM JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2017 · Amount on File
Deed Sale	Feb 21, 2017 · Amount on File
Prior Sale	Mar 8, 2002 · Amount on File
Deed Document Number	20176159
Last Transfer Date	Apr 6, 2018
Transfer Doc	0000014560
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 28, 2026
Property Address	240 LIGHT SPRINGS RD, APTOS, CA 95003-9593
Document Number	0000009355
Instrument Date	Apr 22, 2026
Instrument	20269355
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	240 LIGHT SPRINGS RD, APTOS, CA 95003-9593

Mortgage

Document Number	0000009355,
Date	Apr 28, 2026
Instrument	20269355

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	240 LIGHT SPRINGS RD, APTOS, CA 95003-9593
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 LIGHT SPRINGS RD, APTOS, CA 95003-9593

Mortgage

Document Number	0000038830
Date	Jul 22, 2021
Instrument	2021-0038830

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	240 LIGHT SPRINGS RD, APTOS, CA 95003-9593
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021617
Date	Jul 17, 2018
Instrument	2018-0021617

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	WESTMONT, IL 60559

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 5, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 21, 2017
Property Address	240 LIGHT SPRINGS RD, APTOS, CA 95003-9593
Document Number	0000006159
Instrument Date	Feb 13, 2017
Instrument	2017-0006159
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	240 LIGHT SPRINGS RD, APTOS, CA 95003-9593

Mortgage

Document Number	0000006160
Date	Feb 21, 2017
Instrument	2017-0006160

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

Tax Assessment & Valuation

The 2025 property tax bill for 240 Light Springs Rd was $29,317 with a homeowner's exemption, up 7.3% from the year before.

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		$2,557,003 (+2%) Land $1,420,557 Building $1,136,446
2025	$29,317.00 (+7.32%) Homeowner's exemption	$2,506,866 Land $1,392,703 Building $1,114,163
2024	$27,318.00 (+1.53%)
2023	$26,907.00 (+1.83%) Homeowner's exemption	$2,409,521 Land $1,338,623 Building $1,070,898	$2,895,660
2022	$26,423.00

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

Flood

FEMA maps place 240 Light Springs Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1982.

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

Wildfire risk around 240 Light Springs Rd is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	CENTRAL WATER DISTRICT serves 2,726 people · EPA ID CA4410018
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 1 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cruzio Fixed Wireless	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Razzolink.

Cell Coverage

5G and 4G LTE (outdoors only)

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