Santa Cruz County property record for 2955 Fern Flat Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,997 sqft · built 1985 |
| Lot Size | 20 acres (875,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,590,000 (Mar 2017) |
| Tax Bill | $21,765 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-481-01 |
| Primary APN | 105-481-01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 2,997 sqft Living Area |
| Gross Area | 3,857 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 875,120 sqft |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 860 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2955 FERN FLAT RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-2620 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SU |
| Legal Subdivision | LANDS OF |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 122002 |
2955 Fern Flat Rd is owned and occupied by two individuals who bought it in March 2017.
Source: Santa Cruz County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2955 FERN FLAT RD, APTOS, CA 95003-2620 |
| 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 |
|---|---|
| Feb 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FUNDLOANS CAPITAL |
| Mar 6, 2017 | Grant Deed, Transfer WARK L & L LIVING TRUST (RT) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2017 · Amount on File |
| Deed Sale | Mar 6, 2017 · Amount on File |
| Deed Document Number | 20177702 |
| Prior Transfer Date | Aug 30, 2006 |
| Prior Transfer Doc | 0000052852 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2955 FERN FLAT RD, APTOS, CA 95003-2620 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2955 FERN FLAT RD, APTOS, CA 95003-2620 |
| Document Number | 0000004937 |
|---|---|
| Date | Feb 14, 2022 |
| Instrument | 2022-0004937 |
| Name | FUNDLOANS CAPITAL |
|---|---|
| Type | Non-Lending Institution |
| Address | ENCINITAS, CA 92024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 6, 2017 |
| Property Address | 2955 FERN FLAT RD, APTOS, CA 95003-2620 |
| Document Number | 0000007702 |
| Instrument Date | Mar 2, 2017 |
| Instrument | 7702 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,749.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 2955 FERN FLAT RD APTOS CA 950032620, APTOS, CA 95003-2620 |
| Document Number | 7703 |
|---|---|
| Date | Mar 6, 2017 |
| Instrument | 7703 |
| Name | WARK L & L LIVING TRUST (RT) |
|---|---|
| Address | 110 WOOD RD, LOS GATOS, CA 95030-6737 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 2955 Fern Flat Rd was $21,765 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 | $1,882,238 (+2%) Land $1,420,557 Building $461,681 | ||
| 2025 | $21,765.00 Homeowner's exemption | $1,845,332 Land $1,392,703 Building $452,629 | |
| 2023 | $19,952.00 (+1.85%) Homeowner's exemption | $1,773,675 Land $1,338,623 Building $435,052 | $1,709,640 |
| 2022 | $19,590.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2955 Fern Flat Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1982.
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 | 5 in force |
| Nearby Flood Claims | 7 (1982–2000) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Feb 2000 · rainfall accumulation |
| Claims by Event |
|
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 2955 Fern Flat Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 71% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Surfnet Communications Fixed Wireless | 100 / 20 |
May also be available: Etheric Networks, Xfinity.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures