284 Ventana Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 284 Ventana Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,129 sqft · built 2003
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,650,000 (Oct 2019)
Tax Bill	$22,010 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`053-161-23`

Property Details

APN / Parcel Number

Primary APN	`053-161-23`
Alternative APN	`053-161-23-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	3,129 sqft Living Area
Gross Area	3,777 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Roof Material	Tile
Lot Area	8,276 sqft (0.19 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	284 VENTANA WAY
City	APTOS
State	CA
Zip	95003-5535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	SEASCAPE UPLANDS TR #1304
Legal Lot Number	35
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1014
Census Tract	122202

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	284 VENTANA WAY, APTOS, CA 95003-5535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Oct 31, 2019	Grant Deed, Transfer PRIME LNDG
May 24, 2017	Deed of Trust, Mortgage NOVAK RICHARD 2012 TRUST (IT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2019 · Amount on Record
Deed Sale	Oct 31, 2019 · Amount on Record
Prior Sale	Jan 3, 2014 · Amount on Record
Deed Document Number	201933688
Prior Transfer Date	Oct 13, 2011
Prior Transfer Doc	0000042475
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	284 VENTANA WAY, APTOS, CA 95003-5535
Transaction Type	Mortgage
Record Updated	Jun 30, 2022
Title Company	FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 VENTANA WAY, APTOS, CA 95003-5535

Mortgage

Document Number	0000017949
Date	Jun 13, 2022
Instrument	2022-0017949

Lender

Name	BANK OF THE WEST
Type	Bank
Address	UTICA, NY 13505

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	284 VENTANA WAY, APTOS, CA 95003-5535
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 VENTANA WAY, APTOS, CA 95003-5535

Mortgage

Document Number	0000025131
Date	May 3, 2021
Instrument	2021-0025131

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 31, 2019
Property Address	284 VENTANA WAY, APTOS, CA 95003-5535
Document Number	0000033688
Instrument Date	Oct 29, 2019
Instrument	33688
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,815.00
Amount Accuracy	Full Value
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	284 VENTANA WAY APTOS CA 950035535, APTOS, CA 95003-5535

Mortgage

Document Number	33689
Date	Oct 31, 2019
Instrument	33689

Lender

Name	PRIME LNDG
Address	18111 PRESTON RD # 900, DALLAS, TX 75252-6601

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	284 VENTANA WAY, APTOS, CA 95003-5535
Document Number	0000018290
Instrument Date	May 24, 2017
Transaction Type	Mortgage
Record Updated	Jun 20, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	284 VENTANA WAY APTOS CA 950035535, APTOS, CA 95003-5535

Mortgage

Document Number	0000018290
Date	Jun 5, 2017
Instrument	18290

Lender

Name	NOVAK RICHARD 2012 TRUST (IT)

Agreement

Amount	Amount Recorded

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		$1,840,607 (+2%) Land $1,067,552 Building $773,055
2025	$22,010.00 (+9.48%)	$1,804,516 (+4.04%) Land $1,046,619 Building $757,897
2023	$20,105.00 (+1.99%)	$1,734,445 Land $1,005,978 Building $728,467	$2,226,780
2022	$19,713.00

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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