295 Beach Pines Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 295 Beach Pines Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,629 sqft · built 1970
Lot Size	0.246 acres (10,716 sqft)
Owner	Individual Name on Record
Last Sale	$795,000 (Apr 2007)
Tax Bill	$13,637 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-272-32`

Property Details

APN / Parcel Number

Primary APN	`044-272-32`
Alternative APN	`044-272-32-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,629 sqft Living Area
Gross Area	2,081 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	10,716 sqft (0.246 acres)
Garage Type	Attached
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces
Deck Area	220 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	295 BEACH PINES DR
City	APTOS
State	CA
Zip	95003-4703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-8
Legal Description	TRACT 47 BLK 42 LOT 1
Legal Subdivision	APTOS BEACH PINES SUB#1 TR#408
Legal Tract	47
Legal Block	42
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3003
Census Tract	122205

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	295 BEACH PINES DR, APTOS, CA 95003-4703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2025	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2007 · Amount on Record
Deed Sale	Apr 16, 2007 · Amount on Record
Prior Sale	Mar 11, 2002 · Amount on Record
Deed Document Number	200720797
Prior Transfer Date	Dec 9, 1997
Prior Transfer Doc	0000059405
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	295 BEACH PINES DR, APTOS, CA 95003-4703
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 BEACH PINES DR, APTOS, CA 95003-4703

Mortgage

Document Number	0000019708
Date	Sep 18, 2025
Instrument	2025-0019708

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 17, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	295 BEACH PINES DR, APTOS, CA 95003-4703
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 BEACH PINES DR, APTOS, CA 95003-4703

Mortgage

Document Number	0000013939
Date	Mar 9, 2021
Instrument	2021-0013939

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	295 BEACH PINES DR, APTOS, CA 95003-4703
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006794
Date	Feb 27, 2017
Instrument	2017-0006794

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	295 BEACH PINES DR, APTOS, CA 95003-4703
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016327
Date	May 13, 2020
Instrument	2020-0016327

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2050

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		$1,086,436 (+2%) Land $717,458 Building $368,978
2025	$13,637.00 (+7.72%) Homeowner's exemption	$1,065,133 (+4.04%) Land $703,390 Building $361,743
2024	$12,660.00 (+2.57%)
2023	$12,343.00 (+2.17%) Homeowner's exemption	$1,023,772 Land $676,076 Building $347,696	$1,187,010
2022	$12,081.00

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
Flood Insurance Cost	Premium on Record median of 63 policies
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 Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cruzio, Etheric Networks, T-Mobile, Verizon.

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