3040 Wisteria Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3040 Wisteria Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,280 sqft · built 1980
Lot Size	0.253 acres (11,021 sqft)
Owner	Individual Name on Record
Last Sale	$1,150,000 (Aug 2018)
Tax Bill	$16,028 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039-351-02`

Property Details

APN / Parcel Number

Primary APN	`039-351-02`
Alternative APN	`039-351-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,280 sqft Living Area
Gross Area	2,736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	11,021 sqft (0.253 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Deck Area	610 sqft
Patio Area	610 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3040 WISTERIA WAY
City	APTOS
State	CA
Zip	95003-3318
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3040 WISTERIA WAY, APTOS, CA 95003-3318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage STANFORD FCU
Apr 8, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Nov 26, 2018	Deed of Trust, Mortgage · ARM STANFORD FCU
Aug 22, 2018	Grant Deed, Transfer · Conventional Mortgage STEVEN M GORELICK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2018 · Amount on Record
Deed Sale	Aug 22, 2018 · Amount on Record
Prior Sale	Jun 6, 2007 · Amount on Record
Deed Document Number	201825623
Prior Transfer Date	May 16, 2016
Prior Transfer Doc	0000017398
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3040 WISTERIA WAY, APTOS, CA 95003-3318
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	CORNERSTONE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3040 WISTERIA WAY, APTOS, CA 95003-3318

Mortgage

Document Number	0000007458
Date	Feb 8, 2021
Instrument	2021-0007458

Lender

Name	STANFORD FCU
Type	Credit Union
Address	PALO ALTO, CA 94303

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3040 WISTERIA WAY, APTOS, CA 95003-3318
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012146
Date	Apr 8, 2020
Instrument	2020-0012146

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 15, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3040 WISTERIA WAY, APTOS, CA 95003-3318
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035035
Date	Nov 26, 2018
Instrument	2018-0035035

Lender

Name	STANFORD FCU
Type	Credit Union
Address	PALO ALTO, CA 94303

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Margin	2
Max Rate	9.25%

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 22, 2018
Property Address	3040 WISTERIA WAY, APTOS, CA 95003-3318
Document Number	0000025623
Instrument Date	Aug 16, 2018
Instrument	25623
Transaction Type	Transfer
Record Updated	Sep 7, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,265.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3040 WISTERIA WAY APTOS CA 950033318, APTOS, CA 95003-3318

Mortgage

Document Number	25624
Date	Aug 22, 2018
Instrument	25624

Lender

Name	STEVEN M GORELICK
Address	80 PINERIDGE WAY, PORTOLA VALLEY, CA 94028-7742

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	Assessed Market Value
2026		$1,308,504 (+2%) Land $915,953 Building $392,551
2025	$16,028.00 (+9.8%) Homeowner's exemption	$1,282,847 (+4.04%) Land $897,993 Building $384,854
2023	$14,597.00 (+2.1%) Homeowner's exemption	$1,233,033 Land $863,123 Building $369,910	$1,397,160
2022	$14,297.00

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

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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