2701 Fern Flat Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 2701 Fern Flat Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,758 sqft · built 1995
Lot Size	20 acres (875,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Oct 2014)
Tax Bill	$15,859 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`105-481-02`

Property Details

APN / Parcel Number

Primary APN	`105-481-02`
Alternative APN	`105-481-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,758 sqft Living Area
Gross Area	3,385 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	875,120 sqft
View / Lot	Mountain
Garage Type	Attached
Garage Area	627 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2701 FERN FLAT RD
City	APTOS
State	CA
Zip	95003-9332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122002

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	2 Individual Names on Record
Mailing Address	2701 FERN FLAT RD, APTOS, CA 95003-9332
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Nov 4, 2019	Deed of Trust, Mortgage · Line of Credit OPES ADVISORS
Dec 22, 2016	Loan Modification, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2014 · Amount on Record
Deed Sale	Oct 7, 2014 · Amount on Record
Deed Document Number	201433486
Prior Transfer Date	Aug 30, 2006
Prior Transfer Doc	0000052853
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2701 FERN FLAT RD, APTOS, CA 95003-9332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034884
Date	Nov 8, 2019
Instrument	2019-0034884

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2701 FERN FLAT RD, APTOS, CA 95003-9332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 910, APTOS, CA 95001-0910

Mortgage

Document Number	0000039267
Date	Sep 30, 2020
Instrument	2020-0039267

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2701 FERN FLAT RD, APTOS, CA 95003-9332
Document Number	0000034885
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2701 FERN FLAT RD APTOS CA 950039332, APTOS, CA 95003-9332

Mortgage

Document Number	0000034885
Date	Nov 8, 2019
Instrument	34885

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2049

Interest

Rate Type	Adjustable Rate

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CRUZ CA
Property Address	2701 FERN FLAT RD, APTOS, CA 95003-9332
Document Number	0000001945
Instrument Date	Dec 22, 2016
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 910 APTOS CA 950010910, APTOS, CA 95001-0910

Mortgage

Document Number	0000001945
Date	Jan 18, 2017
Instrument	1945

Lender

Name	BANK OF AMERICA
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2047

Interest

Rate Type	Adjustable Rate

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		$1,348,477 (+2%) Land $919,416 Building $429,061
2025	$15,859.00 (+9.24%) Homeowner's exemption	$1,322,036 (+4.04%) Land $901,388 Building $420,648
2023	$14,518.00 (+1.36%) Homeowner's exemption	$1,270,699 Land $866,386 Building $404,313	$1,444,770
2022	$14,323.00

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 48% of the US · lower than 71% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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