289 Ventana Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 289 Ventana Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,430 sqft · built 2000
Lot Size	0.187 acres (8,146 sqft)
Owner	Individual Name on Record
Last Sale	$2,900,000 (Apr 2022)
Tax Bill	$12,394 (2025)
Deeds & Mortgages	Apr 2022 Sale May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`053-162-18`

Property Details

APN / Parcel Number

Primary APN	`053-162-18`
Alternative APN	`053-162-18-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Building Area	3,430 sqft Living Area
Gross Area	3,891 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,146 sqft (0.187 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	461 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,906 sqft
Patio Area	1,906 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	289 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	50
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	289 VENTANA WAY, APTOS, CA 95003-5537
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Grant Deed, Transfer OLD REPUBLIC TITLE COMPANY
May 15, 2019	Grant Deed, Transfer · ARM STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2022 · Amount on Record
Deed Sale	Apr 27, 2022 · Amount on Record
Prior Sale	May 15, 2019 · Amount on Record
Deed Document Number	202213366
Prior Transfer Date	May 10, 2013
Prior Transfer Doc	0000026069
Record Updated	Sep 20, 2026

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 27, 2022
Property Address	289 VENTANA WAY, APTOS, CA 95003-5537
Document Number	0000013366
Map Reference	MB 93 PG 22
Instrument Date	Apr 19, 2022
Instrument	2022-0013366
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$3,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	289 VENTANA WAY, APTOS, CA 95003-5537

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 15, 2019
Property Address	289 VENTANA WAY, APTOS, CA 95003-5537
Document Number	0000012982
Map Reference	MB 93 PG 22
Instrument Date	May 7, 2019
Instrument	2019-0012982
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	289 VENTANA WAY, APTOS, CA 95003-5537

Mortgage

Document Number	0000012983
Date	May 15, 2019
Instrument	2019-0012983

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	8.75%

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		$980,128 (+2%) Land $686,090 Building $294,038
2025	$12,394.00 (-57.95%) Homeowner's exemption	$960,910 (-63.04%) Land $672,637 Building $288,273
2023	$29,473.00 (+41.12%)	$2,600,000 Land $1,360,206 Building $1,239,794	$2,552,130
2022	$20,885.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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