254 Aptos Beach Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 254 Aptos Beach Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,471 sqft · built 1962
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$1,055,000 (Oct 2025)
Tax Bill	$9,001 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`042-233-30`

Property Details

APN / Parcel Number

Primary APN	`042-233-30`
Alternative APN	`042-233-30-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,471 sqft Living Area
Gross Area	1,813 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	342 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	254 APTOS BEACH DR
City	APTOS
State	CA
Zip	95003-4634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	APTOS BCH CNTRY CLB PROP 06
Legal Lot Number	32
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3008
Census Tract	122205

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	Individual Name on Record
Mailing Address	254 APTOS BEACH DR, APTOS, CA 95003-4634
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Sep 22, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Sep 22, 2021	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Feb 17, 2021	Intrafamily Transfer, Transfer
Nov 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2025 · Amount on Record
Deed Sale	Oct 3, 2025 · Amount on Record
Prior Sale	Sep 22, 2021 · Amount on Record
Deed Document Number	202521113
Prior Transfer Date	Feb 11, 2025
Prior Transfer Doc	0000004063
Record Updated	Sep 20, 2026

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 3, 2025
Property Address	254 APTOS BEACH DR, APTOS, CA 95003-4634
Document Number	0000021113
Map Reference	VOL 23 PG 35
Instrument Date	Sep 27, 2025
Instrument	2025-0021113
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	254 APTOS BEACH DR, APTOS, CA 95003-4634

Mortgage

Document Number	0000021114
Date	Oct 3, 2025
Instrument	2025-0021114

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Max Rate	10.6%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 22, 2021
Property Address	254 APTOS BEACH DR, APTOS, CA 95003-4634
Document Number	0000048398
Map Reference	VOL 23 PG 35
Instrument Date	Sep 7, 2021
Instrument	2021-0048398
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	711 RIVERSIDE DR, WASHOUGAL, WA 98671-7633

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 22, 2021
Property Address	254 APTOS BEACH DR, APTOS, CA 95003-4634
Document Number	0000048397
Map Reference	VOL 23 PG 35
Instrument Date	Aug 31, 2021
Instrument	2021-0048397
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$467.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 RIVERSIDE DR, WASHOUGAL, WA 98671-7633

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 17, 2021
Property Address	254 APTOS BEACH DR, APTOS, CA 95003-4634
Document Number	0000009992
Map Reference	VOL 23 PG 35
Instrument Date	Feb 9, 2021
Instrument	2021-0009992
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3817 PIONEER CT, LOVELAND, CO 80537-7841

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 26, 2018
Property Address	254 APTOS BEACH DR, APTOS, CA 95003-4634
Document Number	0000034994
Instrument Date	Nov 10, 2018
Instrument	34994
Transaction Type	Transfer
Record Updated	Dec 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3817 PIONEER CT LOVELAND CO 805377841, LOVELAND, CO 80537-7841

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		$1,055,000 (+61.35%) Land $791,250 Building $263,750
2025	$9,001.00 (+10.63%)	$653,866 (+4.04%) Land $389,322 Building $264,544
2023	$8,136.00 (+2.38%)	$628,476 Land $374,204 Building $254,272	$1,573,200
2022	$7,947.00

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
Flood Insurance Cost	Premium on Record median of 63 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	7 (2023)
Most Recent Claim	Sep 2023 · tidal / storm surge
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	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

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 712 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cruzio, Etheric Networks, T-Mobile, Verizon.

Nearby Properties on Aptos Beach Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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