Santa Cruz County property record for 290 Dry Creek Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,065 sqft · built 1984 |
| Lot Size | 0.094 acres (4,095 sqft) |
| Owner | Individual Name on File |
| Last Sale | $575,000 (Dec 2010) |
| Tax Bill | $9,859 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Sep 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 053-141-22 |
| Primary APN | 053-141-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 2,065 sqft Living Area |
| Gross Area | 2,434 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 4,095 sqft (0.094 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 369 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 386 sqft |
| Patio Area | 386 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 290 DRY CREEK RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-4 |
| Legal Description | TRACT 877 LOT 22 |
| Legal Subdivision | SUMNER WOODS UN 1 TR #877 |
| Legal Tract | 877 |
| Legal Lot Number | 22 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 122205 |
290 Dry Creek Rd is owned and occupied by an individual who acquired it in August 2017.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 290 DRY CREEK RD, APTOS, CA 95003-5254 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Sep 5, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2010 · Amount on File |
| Deed Sale | Dec 2, 2010 · Amount on File |
| Prior Sale | Jun 16, 2004 · Amount on File |
| Deed Document Number | 201050202 |
| Last Transfer Date | Aug 31, 2017 |
| Transfer Doc | 0000029384 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 290 DRY CREEK RD, APTOS, CA 95003-5254 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000023331 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 2020-0023331 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 5, 2017 |
| Property Address | 290 DRY CREEK RD, APTOS, CA 95003-5254 |
| Document Number | 0000029384 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 29384 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 290 DRY CREEK RD APTOS CA 950035254, APTOS, CA 95003-5254 |
The 2025 property tax bill for 290 Dry Creek Rd was $9,859 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $751,411 (+2%) Land $338,135 Building $413,276 | ||
| 2025 | $9,859.00 Homeowner's exemption | $736,678 Land $331,505 Building $405,173 | |
| 2023 | $8,921.00 (+2.33%) Homeowner's exemption | $708,071 Land $318,632 Building $389,439 | $1,188,270 |
| 2022 | $8,718.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 290 Dry Creek Rd in Zone X, an area of minimal flood risk.
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 |
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 risk around 290 Dry Creek Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.8% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 574 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications.
5G and 4G LTE (outdoors only)
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