261 Dry Creek Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 261 Dry Creek Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,057 sqft · built 1986
Lot Size	0.099 acres (4,312 sqft)
Owner	2 Company Names on Record
Last Sale	$1,445,000 (Jan 2026)
Tax Bill	$13,479 (2025)
Deeds & Mortgages	Jul 2026 Sale Mar 2026 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`053-141-02`

Property Details

APN / Parcel Number

Primary APN	`053-141-02`
Alternative APN	`053-141-02-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,057 sqft Living Area
Gross Area	2,477 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	4,312 sqft (0.099 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	502 sqft
Patio Area	502 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	261 DRY CREEK RD
City	APTOS
State	CA
Zip	95003-5251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Description	TRACT 877 LOT 2
Legal Subdivision	SUMMER WOODS
Legal Tract	877
Legal Lot Number	2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2000
Census Tract	122205

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	2 Company Names on Record
Mailing Address	261 DRY CREEK RD, APTOS, CA 95003-5251
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Mar 17, 2026	Deed of Trust, Mortgage · Line of Credit AMERISAVE MORTGAGE CORP
Mar 2, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERISAVE MORTGAGE CORP
Jan 15, 2026	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 17, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Prior Sale	Jul 17, 2019 · Amount on Record
Deed Document Number	2026877
Last Transfer Date	Jun 29, 2026
Transfer Doc	0000015580
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 9, 2026
Property Address	261 DRY CREEK RD, APTOS, CA 95003-5251
Document Number	0000015580
Instrument Date	Jun 29, 2026
Instrument	202615580
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	261 DRY CREEK RD, APTOS, CA 95003-5251

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	261 DRY CREEK RD, APTOS, CA 95003-5251
Transaction Type	Mortgage
Record Updated	Apr 23, 2026
Title Company	IRON CREST NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3211 CALVIN CT, FRANKLIN, TN 37064-6220

Mortgage

Document Number	0000005786
Date	Mar 17, 2026
Instrument	2026-0005786

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	261 DRY CREEK RD, APTOS, CA 95003-5251
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	IRON CREST NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 DCY CREEK RD, APTOS, CA 95003-5251

Mortgage

Document Number	0000004518
Date	Mar 2, 2026
Instrument	2026-0004518

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	295 Months
Due	Oct 1, 2050

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 15, 2026
Property Address	261 DRY CREEK RD, APTOS, CA 95003-5251
Document Number	0000000877
Map Reference	VOL 71 PG 3
Instrument Date	Jan 7, 2026
Instrument	2026-0000877
Transaction Type	Transfer
Record Updated	Feb 17, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,589.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3211 CALVIN CT, FRANKLIN, TN 37064-6220

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	261 DRY CREEK RD, APTOS, CA 95003-5251
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 DRY CREEK RD, APTOS, CA 95003-5251

Mortgage

Document Number	0000013589
Date	Mar 5, 2021
Instrument	2021-0013589

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 17, 2019
Property Address	261 DRY CREEK RD, APTOS, CA 95003-5251
Document Number	0000020048
Map Reference	VOL 71 PG 3
Instrument Date	Jun 30, 2019
Instrument	2019-0020048
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2185 HAMES RD, APTOS, CA 95003-9560

Mortgage

Document Number	0000020049
Date	Jul 17, 2019
Instrument	2019-0020049

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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		$1,070,898 (+2%) Land $642,539 Building $428,359
2025	$13,479.00 (+7.78%)	$1,049,900 (+4.04%) Land $629,940 Building $419,960
2024	$12,506.00 (+2.05%)
2023	$12,255.00 (+2.15%)	$1,009,132 Land $605,479 Building $403,653	$1,122,120
2022	$11,997.00

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	4 in force

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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 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 574 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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