3051 Terrace Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3051 Terrace Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,181 sqft · built 1994
Lot Size	0.182 acres (7,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$41,000 (Aug 2017)
Tax Bill	$12,713 (2025)
Deeds & Mortgages	Jul 2023 Transfer May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039-361-33`

Property Details

APN / Parcel Number

Primary APN	`039-361-33`
Alternative APN	`039-361-33-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,181 sqft Living Area
Gross Area	2,654 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Wood
Lot Area	7,928 sqft (0.182 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3051 TERRACE DR
City	APTOS
State	CA
Zip	95003-3300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-5
Legal Subdivision	VINEYARD TERRACE
Legal Lot Number	2
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	2 Individual Names on Record
Mailing Address	3051 TERRACE DR, APTOS, CA 95003-3300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2023	Intrafamily Transfer, Transfer
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC BAY LNDG
Aug 31, 2017	Grant Deed, Transfer · Conventional Mortgage PACIFIC BAY LNDG
Aug 31, 2017	Affidavit of Death, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2017 · Amount on Record
Deed Sale	Aug 31, 2017 · Amount on Record
Prior Sale	Aug 5, 2004 · Amount on Record
Deed Document Number	201728948
Last Transfer Date	Jul 11, 2023
Transfer Doc	0000012867
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 14, 2023
Property Address	3051 TERRACE DR, APTOS, CA 95003-3300
Document Number	0000012867
Map Reference	VOL 87 PG 52
Instrument Date	Jul 11, 2023
Instrument	2023-0012867
Transaction Type	Transfer
Record Updated	Jul 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3051 TERRACE DR, APTOS, CA 95003-3300

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3051 TERRACE DR, APTOS, CA 95003-3300
Document Number	0000015817
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3051 TERRACE DR APTOS CA 950033300, APTOS, CA 95003-3300

Mortgage

Document Number	0000015817
Date	May 8, 2020
Instrument	15817

Lender

Name	PACIFIC BAY LNDG
Address	GARDEN GROVE, CA 92841

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 31, 2017
Property Address	3051 TERRACE DR, APTOS, CA 95003-3300
Document Number	0000028948
Instrument Date	Aug 24, 2017
Instrument	28948
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$45.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3051 TERRACE DR APTOS CA 950033300, APTOS, CA 95003-3300

Mortgage

Document Number	28949
Date	Aug 31, 2017
Instrument	28949

Lender

Name	PACIFIC BAY LNDG
Address	LA PALMA, CA 90623

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2047

August 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 31, 2017
Property Address	3051 TERRACE DR, APTOS, CA 95003-3300
Document Number	0000028946
Instrument Date	Aug 24, 2017
Instrument	28946
Transaction Type	Transfer
Record Updated	Sep 14, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3051 TERRACE DR APTOS CA 950033300, APTOS, CA 95003-3300

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		$1,009,477 (+2%) Land $540,284 Building $469,193
2025	$12,713.00 (+10.1%) Homeowner's exemption	$989,684 (+4.04%) Land $529,690 Building $459,994
2023	$11,547.00 (+2.19%) Homeowner's exemption	$951,252 (+2%) Land $509,121 Building $442,131	$1,245,330
2022	$11,299.00 Homeowner's exemption	$932,600 Land $499,138 Building $433,462

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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 554 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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