Santa Cruz County property record for 246 Center Ave, Apt D, Aptos, CA 95003
| Property Type | Store with Apartments |
|---|---|
| Details | 2,500 sqft · built 1960 |
| Lot Size | 0.043 acres (1,873 sqft) |
| Owner | 2 Trust Names on Record |
| Tax Bill | $13,734 (2025) |
| Deeds & Mortgages | Jan 2017 Line of Credit May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-023-05 |
| Primary APN | 042-023-05 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,500 sqft Gross Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 1,873 sqft (0.043 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 246 CENTER AVE, A |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4464 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Store with Apartments |
| Local Zoning Code | C-1 |
| Legal Subdivision | SEACLIFF PARK SUB #5 |
| Legal Block | 4 |
| Legal Lot Number | 5 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 122100 |
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 Trust Names on Record |
|---|---|
| Mailing Address | 865 BRISA DEL MAR, SANTA CRUZ, CA 95060-9735 |
| Owner Type | Individual |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Jan 19, 2017 | Deed of Trust, Mortgage · Line of Credit LIGHTHOUSE BANK |
| May 16, 2018 | Deed of Trust, Mortgage · Commercial Mortgage LIGHTHOUSE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 246 CENTER AVE STE A, A, APTOS, CA 95003-4464 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TI SPL |
| Name | Verified Name |
|---|
| Document Number | 0000002273 |
|---|---|
| Date | Jan 19, 2017 |
| Instrument | 2017-0002273 |
| Name | LIGHTHOUSE BANK |
|---|---|
| Type | Bank |
| Address | SANTA CRUZ, CA 95060 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 246 CENTER AVE STE A, A, APTOS, CA 95003-4464 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000014800 |
|---|---|
| Date | May 16, 2018 |
| Instrument | 2018-0014800 |
| Name | LIGHTHOUSE BANK |
|---|---|
| Type | Bank |
| Address | SANTA CRUZ, CA 95060 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|
| 2026 | $831,123 (+2%) Land $467,890 Building $363,233 | |
| 2025 | $13,734.00 (+10.75%) | $814,826 (+4.04%) Land $458,716 Building $356,110 |
| 2023 | $12,401.00 (+2.84%) | $783,186 Land $440,904 Building $342,282 |
| 2022 | $12,059.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 6 in force |
| Nearby Flood Claims | 57 (1978–2023) |
| Claims Outside the SFHA | 3 of 57 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
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 | Direct burnable vegetation |
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 514 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Surfnet Communications Fixed Wireless | 100 / 20 |
May also be available: Cruzio, GeoLinks, Verizon.
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