3019 Twin Palms Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3019 Twin Palms Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,828 sqft · built 1986
Lot Size	0.254 acres (11,064 sqft)
Owner	Individual Name on Record
Last Sale	$950,000 (Jan 2020)
Tax Bill	$13,350 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-361-13`

Property Details

APN / Parcel Number

Primary APN	`039-361-13`
Alternative APN	`039-361-13-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,828 sqft Living Area
Gross Area	2,403 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Wood
Roof Material	Tile
Lot Area	11,064 sqft (0.254 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Deck Area	883 sqft
Patio Area	883 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3019 TWIN PALMS DR
City	APTOS
State	CA
Zip	95003-3634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1012
Census Tract	122004

Owner

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 Record
Mailing Address	3019 TWIN PALMS DR, APTOS, CA 95003-3634
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jan 6, 2020	Grant Deed, Transfer · Conventional Mortgage UNIVERSITY/CA HM LN PROGRAM CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2020 · Amount on Record
Deed Sale	Jan 6, 2020 · Amount on Record
Prior Sale	Dec 10, 2009 · Amount on Record
Deed Document Number	2020337
Prior Transfer Date	Nov 29, 2009
Prior Transfer Doc	0000057383
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3019 TWIN PALMS DR, APTOS, CA 95003-3634
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3019 TWIN PALMS DR, APTOS, CA 95003-3634

Mortgage

Document Number	0000031522
Date	Jun 8, 2021
Instrument	2021-0031522

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 6, 2020
Property Address	3019 TWIN PALMS DR, APTOS, CA 95003-3634
Document Number	0000000337
Instrument Date	Dec 24, 2019
Instrument	337
Transaction Type	Transfer
Record Updated	Jan 24, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,045.00
Amount Accuracy	Full Value
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3019 TWIN PALMS DR APTOS CA 950033634, APTOS, CA 95003-3634

Mortgage

Document Number	338
Date	Jan 6, 2020
Instrument	338

Lender

Name	UNIVERSITY/CA HM LN PROGRAM CO
Address	OAKLAND, CA 94607-5200

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

Tax Assessment & Valuation

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
2026		$1,059,743 (+2%) Land $635,846 Building $423,897
2025	$13,350.00 (+1%)	$1,038,964 (+4.04%) Land $623,378 Building $415,586
2023	$12,136.00 (+2.16%)	$998,620 Land $599,172 Building $399,448
2022	$11,879.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 298 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, GeoLinks, Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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