275 Ventana Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 275 Ventana Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,431 sqft · built 2002
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,500,000 (Aug 2010)
Tax Bill	$39,456 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`053-162-21`

Property Details

APN / Parcel Number

Primary APN	`053-162-21`
Alternative APN	`053-162-21-000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	5,431 sqft Living Area
Gross Area	6,263 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Wood
Roof Material	Tile
Lot Area	15,682 sqft (0.36 acres)
Terrain	Combination
View / Lot	Ocean
Garage Type	Attached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces
Deck Area	1,195 sqft
Patio Area	1,195 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	275 VENTANA WAY
City	APTOS
State	CA
Zip	95003-5537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	SEASCAPE UPLANDS TR #1304
Legal Lot Number	31
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1015
Census Tract	122202

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 Individual Names on Record
Mailing Address	PO BOX 11489, ZEPHYR COVE, NV 89448-3489
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2017	Deed of Trust, Mortgage · ARM MORGAN STANLEY PRIVATE BANK NA
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2010 · Amount on Record
Deed Sale	Aug 17, 2010 · Amount on Record
Prior Sale	May 6, 1999
Deed Document Number	201032368
Prior Transfer Date	Jul 5, 2001
Prior Transfer Doc	0000044406
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	275 VENTANA WAY, APTOS, CA 95003-5537
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ER TITLE RESOURCES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028080
Date	Aug 24, 2017
Instrument	2017-0028080

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.6%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2022
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.6%
Index	1-Year LIBOR
Max Rate	7.6%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	275 VENTANA WAY, APTOS, CA 95003-5537
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BOSTON NATL TI AGE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033280
Date	Oct 28, 2019
Instrument	2019-0033280

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

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		$3,414,680 (+2%) Land $1,960,204 Building $1,454,476
2025	$39,456.00 (+9.12%)	$3,347,725 (+4.04%) Land $1,921,768 Building $1,425,957
2023	$36,158.00 (+1.87%)	$3,217,730 Land $1,847,144 Building $1,370,586	$3,509,730
2022	$35,494.00

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
Nearby Flood Claims	6 (1982–2016)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2016 · rainfall accumulation

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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Etheric Networks, Razzolink, Surfnet Communications, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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