Santa Cruz County property record for 295 Day Valley Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,663 sqft · built 1986 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $725,000 (Jun 2005) |
| Tax Bill | $11,835 (2025) |
| Deeds & Mortgages | May 2026 Construction Loan May 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-452-19 |
| Primary APN | 041-452-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,663 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 9,017 sqft (0.207 acres) |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 295 DAY VALLEY RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-9541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Subdivision | APTOS RHO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 122204 |
Source: Santa Cruz County records · APN 041-452-19
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 | 295 DAY VALLEY RD, APTOS, CA 95003-9541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · Construction Mortgage ROCKET MORTGAGE LLC |
| May 08, 2018 | Deed of Trust, Mortgage · ARM US BANK NA |
| May 08, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Apr 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 09, 2005 · Amount on Record |
| Deed Sale | Jun 09, 2005 · Amount on Record |
| Deed Document Number | 200538491 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | May 12, 2026 |
| Property Address | 295 DAY VALLEY RD, APTOS, CA 95003-9541 |
| Document Number | 0000010691 |
| Instrument Date | May 05, 2026 |
| Instrument | 202610691 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 295 DAY VALLEY RD, APTOS, CA 95003-9541 |
| Document Number | 0000010691, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 202610691 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 7 Months |
| Due | Dec 01, 2026 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 295 DAY VALLEY RD, APTOS, CA 95003-9541 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000013776 |
|---|---|
| Date | May 08, 2018 |
| Instrument | 2018-0013776 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jun 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9% |
| Index | 1-Year CMT |
| Max Rate | 9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 295 DAY VALLEY RD, APTOS, CA 95003-9541 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000013777 |
|---|---|
| Date | May 08, 2018 |
| Instrument | 2018-0013777 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 02, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 295 DAY VALLEY RD, APTOS, CA 95003-9541 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIDELITY NATIONAL TTL GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000013386 |
|---|---|
| Date | Apr 20, 2020 |
| Instrument | 2020-0013386 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
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 | $1,030,803 (+2%) Land $618,483 Building $412,320 | ||
| 2025 | $11,835.00 (+9.52%) Homeowner's exemption | $1,010,592 (+4.04%) Land $606,356 Building $404,236 | |
| 2023 | $10,806.00 (+1.83%) Homeowner's exemption | $971,349 Land $582,810 Building $388,539 | $1,116,000 |
| 2022 | $10,612.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), as of July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Moderate above 46% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Surfnet Communications Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Cruzio Internet, Etheric Communications, LLC., Xfinity.
Based on FCC filings for 135 locations within half a mile of this property.
4G LTE (outdoors only), no 5G reported
Source: EPA Safe Drinking Water Information System, water system CA4410018, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CENTRAL WATER DISTRICT serves 2,726 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2022 |
| Lead | Under 1 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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