2450 Trout Gulch Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 2450 Trout Gulch Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,347 sqft · built 2007
Lot Size	20.2 acres (879,912 sqft)
Owner	Individual Name on Record
Last Sale	$141,000 (Jun 2007)
Tax Bill	$20,221 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`041-121-75`

Property Details

APN / Parcel Number

Primary APN	`041-121-75`
Alternative APN	`041-121-75-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Building Area	3,347 sqft Living Area
Gross Area	4,211 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	879,912 sqft
Terrain	Combination
View / Lot	Mountain
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	830 sqft
Patio Area	830 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2450 TROUT GULCH RD
City	APTOS
State	CA
Zip	95003-3036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Subdivision	RANCHO APTOS
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 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2450 TROUT GULCH RD, APTOS, CA 95003-3036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2022	Deed of Trust, Mortgage · Line of Credit RAYMOND JAMES BANK NA
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 23, 2018	Quit Claim Deed, Transfer · Conventional Mortgage PARKSIDE LNDG
May 23, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2007 · Amount on Record
Deed Sale	Jun 12, 2007 · Amount on Record
Prior Sale	Mar 8, 2002 · Amount on Record
Deed Document Number	200732684
Last Transfer Date	May 14, 2018
Transfer Doc	0000015607
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2450 TROUT GULCH RD, APTOS, CA 95003-3036
Transaction Type	Mortgage
Record Updated	Dec 14, 2022
Title Company	BOSTON NATL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2450 TROUT GULCH RD, APTOS, CA 95003-3036

Mortgage

Document Number	0000031557
Date	Nov 28, 2022
Instrument	2022-0031557

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank
Address	SAINT PETERSBURG, FL 33716

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2450 TROUT GULCH RD, APTOS, CA 95003-3036
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	US FIDELITY TITLE COMPANY, FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2450 TROUT GULCH RD, APTOS, CA 95003-3036

Mortgage

Document Number	0000011764
Date	Feb 25, 2021
Instrument	2021-0011764

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2450 TROUT GULCH RD, APTOS, CA 95003-3036
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE CO SALIN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041048
Date	Dec 27, 2019
Instrument	2019-0041048

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 23, 2018
Property Address	2450 TROUT GULCH RD, APTOS, CA 95003-3036
Document Number	0000015605
Instrument Date	May 14, 2018
Instrument	15605
Transaction Type	Transfer
Record Updated	Jun 8, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2450 TROUT GULCH RD APTOS CA 950033036, APTOS, CA 95003-3036

Mortgage

Document Number	15606
Date	May 23, 2018
Instrument	15606

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 22, 2033

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 23, 2018
Property Address	2450 TROUT GULCH RD, APTOS, CA 95003-3036
Document Number	0000015607
Instrument Date	May 14, 2018
Instrument	15607
Transaction Type	Transfer
Record Updated	Jun 7, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2450 TROUT GULCH RD APTOS CA 950033036, APTOS, CA 95003-3036

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		$1,738,165 (+2%) Land $682,433 Building $1,055,732
2025	$20,221.00 (+9.11%) Homeowner's exemption	$1,704,084 (+4.04%) Land $669,052 Building $1,035,032
2023	$18,533.00 (+1.86%) Homeowner's exemption	$1,637,912 Land $643,072 Building $994,840	$2,075,220
2022	$18,194.00

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	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	Moderate above 65% of the US · above 40% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Etheric Networks, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Trout Gulch Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures