299 Dry Creek Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 299 Dry Creek Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,300 sqft · built 1990
Lot Size	0.116 acres (5,053 sqft)
Owner	Individual Name on File
Last Sale	$1,025,000 (Nov 2018)
Tax Bill	$14,457 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Apr 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053-151-03`

Property Details

APN / Parcel Number

Primary APN	`053-151-03`
Alternative APN	`053-151-03-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,300 sqft Living Area
Gross Area	2,729 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	5,053 sqft (0.116 acres)
Garage Type	Attached
Garage Area	429 sqft
Parking Spaces	2 Parking Spaces
Deck Area	447 sqft
Patio Area	447 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	299 DRY CREEK RD
City	APTOS
State	CA
Zip	95003-5263
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Description	TR 877
Legal Subdivision	SUMNER WOODS UN 02 TR 877
Legal Tract	877
Legal Lot Number	32
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2000
Census Tract	122205

Owner

299 Dry Creek Rd is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	299 DRY CREEK RD, APTOS, CA 95003-5263
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Apr 17, 2020	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Nov 16, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2018 · Amount on File
Deed Sale	Nov 16, 2018 · Amount on File
Prior Sale	Mar 13, 2002 · Amount on File
Deed Document Number	201834313
Prior Transfer Date	Jun 15, 2007
Prior Transfer Doc	0000036737
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	299 DRY CREEK RD, APTOS, CA 95003-5263
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007015
Date	Feb 28, 2020
Instrument	2020-0007015

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	299 DRY CREEK RD, APTOS, CA 95003-5263
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013255
Date	Apr 17, 2020
Instrument	2020-0013255

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 16, 2018
Property Address	299 DRY CREEK RD, APTOS, CA 95003-5263
Document Number	0000034313
Map Reference	MB 71 PG 63
Instrument Date	Nov 6, 2018
Instrument	2018-0034313
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 MAIN ST, LOS ALTOS, CA 94022-2912

Mortgage

Document Number	0000034314
Date	Nov 16, 2018
Instrument	2018-0034314

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 299 Dry Creek Rd was $14,457 with a homeowner's exemption.

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		$1,166,275 (+2%) Land $739,589 Building $426,686
2025	$14,457.00 Homeowner's exemption	$1,143,407 Land $725,087 Building $418,320
2023	$13,152.00 (+2.14%) Homeowner's exemption	$1,099,007 Land $696,931 Building $402,076	$1,236,780
2022	$12,877.00

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

Flood

FEMA maps place 299 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 299 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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