304 Rio del Mar Blvd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 304 Rio del Mar Blvd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,260 sqft · built 1959
Lot Size	0.173 acres (7,536 sqft)
Owner	Individual Name on File
Last Sale	$1,860,000 (May 2022)
Tax Bill	$19,336 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jun 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`043-021-01`

Property Details

APN / Parcel Number

Primary APN	`043-021-01`
Alternative APN	`043-021-01-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,260 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Other
Lot Area	7,536 sqft (0.173 acres)
View / Lot	Ocean
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	304 RIO DEL MAR BLVD
City	APTOS
State	CA
Zip	95003-5022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	ENTITLED MAP
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2014
Census Tract	122205

Owner

304 Rio del Mar Blvd is owned and occupied by an individual who bought it in May 2022.

Source: Santa Cruz County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	304 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 30, 2022	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Jun 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 9, 2022	Grant Deed, Transfer · Line of Credit THE BRIDGE LOANS INC
Dec 13, 2019	Affidavit of Death, Transfer ATTORNEY ONLY
Dec 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2022 · Amount on File
Deed Sale	May 9, 2022 · Amount on File
Deed Document Number	202214685
Prior Transfer Date	Sep 13, 2019
Prior Transfer Doc	0000039460
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	304 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Transaction Type	Mortgage
Record Updated	Dec 14, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 RIO DEL MAR BLVD, APTOS, CA 95003-5022

Mortgage

Document Number	0000031747
Date	Nov 30, 2022
Instrument	2022-0031747

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	304 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Transaction Type	Mortgage
Record Updated	Jun 15, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	352 RIO DEL MAR BLVD, APTOS, CA 95003-5046

Mortgage

Document Number	0000017045
Date	Jun 2, 2022
Instrument	2022-0017045

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.5%
Index	Other
Max Rate	9.5%

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 9, 2022
Property Address	304 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Document Number	0000014685
Map Reference	VOL 23 PG 35
Instrument Date	May 2, 2022
Instrument	2022-0014685
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,046.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	304 RIO DEL MAR BLVD, APTOS, CA 95003-5022

Mortgage

Document Number	0000014686
Date	May 9, 2022
Instrument	2022-0014686

Lender

Name	THE BRIDGE LOANS INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	May 2, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 13, 2019
Property Address	304 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Document Number	0000039459
Instrument Date	Sep 13, 2019
Instrument	39459
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	304 RIO DEL MAR BLVD APTOS CA 950035022, APTOS, CA 95003-5022

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 13, 2019
Property Address	304 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Document Number	0000030460
Instrument Date	Sep 13, 2019
Instrument	30460
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	304 RIO DEL MAR BLVD APTOS CA 950035022, APTOS, CA 95003-5022

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 13, 2019
Property Address	304 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Document Number	0000039458
Instrument Date	Dec 11, 2015
Instrument	39458
Transaction Type	Transfer
Record Updated	Dec 31, 2019
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	Personal Trust
Address	304 RIO DEL MAR BLVD APTOS CA 950035022, APTOS, CA 95003-5022

Tax Assessment & Valuation

The 2025 property tax bill for 304 Rio del Mar Blvd was $19,336 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		$1,850,000 (+17.46%) Land $1,571,906 Building $278,094
2025	$19,336.00 Homeowner's exemption	$1,575,000 Land $1,338,243 Building $236,757
2023	$18,033.00 (+193.55%) Homeowner's exemption	$1,550,000 Land $1,317,000 Building $233,000	$1,626,390
2022	$6,143.00

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

Flood

FEMA maps place 304 Rio del Mar Blvd 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 304 Rio del Mar Blvd is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 712 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cruzio, Etheric Networks, T-Mobile, Verizon.

Nearby Properties on Rio del Mar Blvd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures