Santa Cruz County property record for 2975 Fern Flat Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,308 sqft · built 1963 |
| Lot Size | 14.3 acres (623,779 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,304 (2025) |
| Deeds & Mortgages | Dec 2025 Transfer Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-051-16 |
| Primary APN | 105-051-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,308 sqft Living Area |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 623,779 sqft |
| Terrain | Steep |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2975 FERN FLAT RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-2612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SU |
| Legal Description | MAP C1 974 |
| Legal Subdivision | 2975 FERN FLAT ROAD |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 122002 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2975 FERN FLAT RD, APTOS, CA 95003-2612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2025 | Transfer on Death Deed, Transfer |
| Oct 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BAY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 22, 2016 |
| Transfer Doc | 0000037537 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Dec 18, 2025 |
| Property Address | 2975 FERN FLAT RD, APTOS, CA 95003-2612 |
| Document Number | 0000028095 |
| Instrument Date | Dec 11, 2025 |
| Instrument | 2025-0028095 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2975 FERN FLAT RD, APTOS, CA 95003-2612 |
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2975 FERN FLAT RD, APTOS, CA 95003-2612 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 2975 FERN FLAT RD, APTOS, CA 95003-2612 |
| Document Number | 0000044329 |
|---|---|
| Date | Oct 27, 2020 |
| Instrument | 2020-0044329 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Address | CAPITOLA, CA 95010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
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 | $290,924 (+2%) Land $24,982 Building $265,942 | ||
| 2025 | $4,304.00 (+10.59%) Homeowner's exemption | $285,222 (+4.04%) Land $24,494 Building $260,728 | |
| 2023 | $3,892.00 (+2.42%) Homeowner's exemption | $274,146 Land $23,542 Building $250,604 | $526,050 |
| 2022 | $3,800.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 66% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 16 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.
5G and 4G LTE (outdoors only)
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