3050 Terrace Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3050 Terrace Dr, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,152 sqft · built 1988
Lot Size	0.153 acres (6,665 sqft)
Owner	2 Individual Names on File
Last Sale	$442,000 (Sep 2000)
Tax Bill	$9,054 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-371-05`

Property Details

APN / Parcel Number

Primary APN	`039-371-05`
Alternative APN	`039-371-05-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,152 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,665 sqft (0.153 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3050 TERRACE DR
City	APTOS
State	CA
Zip	95003-3323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL MAPS 48 PG 5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1002
Census Tract	122004

Owner

Source: Santa Cruz County records · APN 039-371-05

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	3050 TERRACE DR, APTOS, CA 95003-3323
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 15, 2000 · Amount on Record
Deed Sale	Sep 15, 2000 · Amount on Record
Prior Sale	Jul 15, 1998 · Amount on Record
Deed Document Number	200044586
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3050 TERRACE DR, APTOS, CA 95003-3323
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3050 TERRACE DR, APTOS, CA 95003-3323

Mortgage

Document Number	0000040363
Date	Oct 06, 2020
Instrument	2020-0040363

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Nov 01, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Max Rate	7.25%

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$679,352 (+2%) Land $407,610 Building $271,742
2025	$9,054.00 (+10.67%) Homeowner's exemption	$666,031 (+4.04%) Land $399,617 Building $266,414
2023	$8,181.00 (+2.39%) Homeowner's exemption	$640,168 Land $384,100 Building $256,068	$1,193,220
2022	$7,990.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 11% of California
Wildfire Likelihood	About 1 in 3,571 per year
Exposure	Indirect within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 554 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Etheric Communications, LLC., Verizon, Surfnet Communications, Cruzio Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.