296 Dry Creek Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 296 Dry Creek Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,800 sqft · built 1986
Lot Size	0.169 acres (7,362 sqft)
Owner	Individual Name on File
Last Sale	$1,063,000 (May 2017)
Tax Bill	$15,557 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`053-141-27`

Property Details

APN / Parcel Number

Primary APN	`053-141-27`
Alternative APN	`053-141-27-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,800 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Contemporary
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,362 sqft (0.169 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	296 DRY CREEK RD
City	APTOS
State	CA
Zip	95003-5252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Description	TRACT 877 LOT 27
Legal Subdivision	SUMNER WOODS UN 01 TR 877
Legal Tract	877
Legal Lot Number	27
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2001
Census Tract	122205

Owner

296 Dry Creek Rd is owned and occupied by an individual who acquired it in April 2021.

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	296 DRY CREEK RD, APTOS, CA 95003-5252
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 5, 2018	Intrafamily Transfer, Transfer · Line of Credit MUFG UNION BANK NA
May 5, 2017	Grant Deed, Transfer · ARM MUFG UNION BANK NA
May 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2017 · Amount on File
Deed Sale	May 5, 2017 · Amount on File
Prior Sale	May 5, 1998 · Amount on File
Deed Document Number	201714998
Last Transfer Date	Apr 1, 2021
Transfer Doc	0000051824
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	296 DRY CREEK RD, APTOS, CA 95003-5252
Transaction Type	Mortgage
Record Updated	Mar 23, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 DRY CREEK RD, APTOS, CA 95003-5252

Mortgage

Document Number	0000007496
Date	Mar 7, 2022
Instrument	2022-0007496

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 14, 2021
Property Address	296 DRY CREEK RD, APTOS, CA 95003-5252
Document Number	0000051824
Map Reference	VOL 71 PG 3
Instrument Date	Apr 1, 2021
Instrument	2021-0051824
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	TITLE365

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	296 DRY CREEK RD, APTOS, CA 95003-5252

Mortgage

Document Number	0000051825
Date	Oct 14, 2021
Instrument	2021-0051825

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	May 1, 2051

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 5, 2018
Property Address	296 DRY CREEK RD, APTOS, CA 95003-5252
Document Number	0000036037
Map Reference	VOL 71 PG 3
Instrument Date	Nov 30, 2018
Instrument	2018-0036037
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 DRY CREEK RD, APTOS, CA 95003-5252

Mortgage

Document Number	0000036038
Date	Dec 5, 2018
Instrument	2018-0036038

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 5, 2017
Property Address	296 DRY CREEK RD, APTOS, CA 95003-5252
Document Number	0000014998
Map Reference	MAP71 PG3
Instrument Date	May 3, 2017
Instrument	2017-0014998
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FATC SALINAS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 DRY CREEK RD, APTOS, CA 95003-5252

Mortgage

Document Number	0000014999
Date	May 5, 2017
Instrument	2017-0014999

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	9.25%

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 5, 2017
Property Address	296 DRY CREEK RD, APTOS, CA 95003-5252
Document Number	0000014892
Instrument Date	Mar 2, 2017
Instrument	14892
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	40555 NORRIS RD FREMONT CA 94536, FREMONT, CA 94536

Tax Assessment & Valuation

The 2025 property tax bill for 296 Dry Creek Rd was $15,557.

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		$1,258,377 (+2%) Land $755,026 Building $503,351
2025	$15,557.00	$1,233,703 Land $740,222 Building $493,481
2023	$14,167.00 (+2.1%)	$1,185,797 Land $711,478 Building $474,319	$1,406,340
2022	$13,876.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 296 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

Wildfire risk around 296 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.

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 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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