Santa Cruz County property record for 244 Bowen Ave, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,351 sqft · built 1973 |
| Lot Size | 0.293 acres (12,763 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $749,000 (Jul 2014) |
| Tax Bill | $10,648 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Mar 2026 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-373-02 |
| Primary APN | 041-373-02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,351 sqft Living Area |
| Gross Area | 2,975 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 12,763 sqft (0.293 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 720 sqft |
| Patio Area | 720 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Street Address | 244 BOWEN AVE |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-10 |
| Legal Description | TRACT 304 LOT 24 |
| Legal Subdivision | DEL MAR HEIGHTS UN #2 TR #304 |
| Legal Tract | 304 |
| Legal Lot Number | 24 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 122204 |
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 Company Names on Record |
|---|---|
| Mailing Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 3, 2026 | Intrafamily Transfer, Transfer · Line of Credit BAY FCU |
| Mar 3, 2026 | Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Jul 13, 2021 | Intrafamily Transfer, Transfer · Line of Credit BAY FCU |
| Jul 14, 2021 | Intrafamily Transfer, Transfer FIRST AMERICAN TITLE COMPANY |
| Oct 20, 2017 | Deed of Trust, Mortgage · Line of Credit BAY FCU |
| Nov 3, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2014 · Amount on Record |
| Deed Sale | Jul 11, 2014 · Amount on Record |
| Prior Sale | Dec 30, 1999 · Amount on Record |
| Deed Document Number | 201422472 |
| Last Transfer Date | Feb 23, 2026 |
| Transfer Doc | 0000004665 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Investor | Possibly a Property Investor |
| Document Number | 0000024230 |
|---|---|
| Date | Apr 28, 2021 |
| Instrument | 2021-0024230 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 3, 2026 |
| Property Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Document Number | 0000004665 |
| Map Reference | MB 37 PG 67 |
| Instrument Date | Feb 23, 2026 |
| Instrument | 2026-0004665 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Document Number | 0000004666 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 2026-0004666 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 15, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 3, 2026 |
| Property Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Document Number | 0000004679 |
| Map Reference | VOL 1348 PG 533 |
| Instrument Date | Feb 23, 2026 |
| Instrument | 2026-0004679 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jul 13, 2021 |
| Property Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Document Number | 0000037178 |
| Map Reference | VOOL 1348 PG 533 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 2021-0037178 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Document Number | 0000037179 |
|---|---|
| Date | Jul 13, 2021 |
| Instrument | 2021-0037179 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 302 Months |
| Due | Sep 15, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jul 14, 2021 |
| Property Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Document Number | 0000037393 |
| Map Reference | VOL 1348 PG 533 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 2021-0037393 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000035299 |
|---|---|
| Date | Oct 20, 2017 |
| Instrument | 2017-0035299 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Address | CAPITOLA, CA 95010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 302 Months |
| Due | Dec 15, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Nov 3, 2020 |
| Property Address | 244 BOWEN AVE, APTOS, CA 95003-4206 |
| Document Number | 0000045731 |
| Instrument Date | Jun 6, 2020 |
| Instrument | 45731 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 244 BOWEN AVE APTOS CA 950034206, APTOS, CA 95003-4206 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $923,710 (+2%) Land $550,914 Building $372,796 | ||
| 2025 | $10,648.00 (+9.61%) Homeowner's exemption | $905,599 (+4.04%) Land $540,112 Building $365,487 | |
| 2023 | $9,714.00 (+1.83%) Homeowner's exemption | $870,433 Land $519,139 Building $351,294 | $1,054,170 |
| 2022 | $9,539.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 10, 2019
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.02% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications, T-Mobile.
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