Santa Cruz County property record for 284 Aptos Beach Dr, Aptos, CA 95003 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,630 sqft · built 1953 |
| Lot Size | 0.131 acres (5,706 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $732,000 (Oct 2013) |
| Tax Bill | $12,583 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-231-04 |
| Primary APN | 042-231-04 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 3 Stories |
| Building Area | 2,630 sqft Living Area |
| Gross Area | 3,030 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,706 sqft (0.131 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 502 sqft |
| Patio Area | 502 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 284 APTOS BEACH DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | APTOS BEACH CC PROPS 06 |
| Legal Block | 69 |
| Legal Lot Number | 4 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 122205 |
Source: Santa Cruz County records · APN 042-231-04
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 284 APTOS BEACH DR, APTOS, CA 95003-4636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 06, 2024 | Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE |
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| May 18, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 11, 2013 · Amount on Record |
| Deed Sale | Oct 11, 2013 · Amount on Record |
| Prior Sale | Jul 18, 2008 · Amount on Record |
| Deed Document Number | 201349255 |
| Last Transfer Date | May 14, 2018 |
| Transfer Doc | 0000015034 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 284 APTOS BEACH DR, APTOS, CA 95003-4636 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2024 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 264 APTOS BEACH DR, APTOS, CA 95003-4635 |
| Document Number | 0000008318 |
|---|---|
| Date | May 06, 2024 |
| Instrument | 2024-0008318 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 284 APTOS BEACH DR, APTOS, CA 95003-4636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITL |
| Name | Verified Name |
|---|---|
| Address | 284 APTOS BEACH DR, APTOS, CA 95003-4636 |
| Document Number | 0000050924 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 2020-0050924 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 284 APTOS BEACH DR, APTOS, CA 95003-4636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000008709 |
|---|---|
| Date | Mar 12, 2020 |
| Instrument | 2020-0008709 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | May 18, 2018 |
| Property Address | 284 APTOS BEACH DR, APTOS, CA 95003-4636 |
| Document Number | 0000015034 |
| Map Reference | MB 439 PG 282 |
| Instrument Date | May 14, 2018 |
| Instrument | 2018-0015034 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | CHICAGO TITLE INSURANCE COMP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 284 APTOS BEACH DR, APTOS, CA 95003-4636 |
| Document Number | 0000015035 |
|---|---|
| Date | May 18, 2018 |
| Instrument | 2018-0015035 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2048 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $915,279 (+2%) Land $549,167 Building $366,112 | ||
| 2025 | $12,583.00 (+10.45%) | $897,332 (+4.04%) Land $538,399 Building $358,933 | |
| 2023 | $11,393.00 (+2.45%) | $862,488 Land $517,493 Building $344,995 | $1,336,050 |
| 2022 | $11,121.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871222053, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 63 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 712 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Surfnet Communications | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
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