Santa Cruz County property record for 2650 Fern Flat Rd, Aptos, CA 95003
| Property Type | Recreational Vacant Land |
|---|---|
| Details | 3 bd · 3 ba · 4,398 sqft · built 1979 |
| Lot Size | 9.14 acres (398,313 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,160,000 (Aug 2022) |
| Tax Bill | $14,558 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-391-38 |
| Primary APN | 105-391-38 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 4,398 sqft Gross Area |
| Basement Area | 224 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 398,313 sqft |
| Terrain | Steep |
| View / Lot | Mountain |
| Garage Type | Attached |
| Garage Area | 324 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Deck Area | 709 sqft |
| Patio Area | 709 sqft |
| Total Buildings | 3 Buildings |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2650 FERN FLAT RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-9548 |
| Property Category | Public Works |
| Property Type | Public Works > Recreational Vacant Land |
| Local Zoning Code | SU |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 122002 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 2650 FERN FLAT RD, APTOS, CA 95003-9548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2022 · Amount on Record |
| Deed Sale | Aug 1, 2022 · Amount on Record |
| Prior Sale | Mar 4, 2016 · Amount on Record |
| Deed Document Number | 202222109 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 1, 2022 |
| Property Address | 2650 FERN FLAT RD, APTOS, CA 95003-9548 |
| Document Number | 0000022109 |
| Map Reference | VOL 17 PG 74 |
| Instrument Date | Jul 26, 2022 |
| Instrument | 2022-0022109 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,276.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2650 FERN FLAT RD, APTOS, CA 95003-9548 |
| Document Number | 0000022110 |
|---|---|
| Date | Aug 1, 2022 |
| Instrument | 2022-0022110 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
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 | $1,231,001 (+2%) Land $721,621 Building $509,380 | ||
| 2025 | $14,558.00 (+32.62%) | $1,206,864 (+27.95%) Land $707,472 Building $499,392 | |
| 2023 | $10,977.00 (+2.65%) | $943,261 Land $670,182 Building $273,079 | $1,021,320 |
| 2022 | $10,694.00 |
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 · 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 |
|
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 | Moderate above 56% of the US · lower than 66% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 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: Etheric Networks, Xfinity.
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures