3054 Terrace Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3054 Terrace Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,971 sqft · built 1988
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$649,000 (May 2004)
Tax Bill	$11,957 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-371-04`

Property Details

APN / Parcel Number

Primary APN	`039-371-04`
Alternative APN	`039-371-04-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,971 sqft Living Area
Gross Area	2,381 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.143 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Deck Area	590 sqft
Patio Area	590 sqft

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3054 TERRACE DR
City	APTOS
State	CA
Zip	95003-3323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-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, 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	3054 TERRACE DR, APTOS, CA 95003-3323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2004 · Amount on Record
Deed Sale	May 28, 2004 · Amount on Record
Deed Document Number	200438246
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3054 TERRACE DR, APTOS, CA 95003-3323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025968
Date	Jul 16, 2020
Instrument	2020-0025968

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3054 TERRACE DR, APTOS, CA 95003-3323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3054 TERRACE DR, APTOS, CA 95003-3323

Mortgage

Document Number	0000001163
Date	Jan 8, 2021
Instrument	2021-0001163

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

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		$941,205 (+2%) Land $564,723 Building $376,482
2025	$11,957.00 (+10.19%) Homeowner's exemption	$922,750 (+4.04%) Land $553,650 Building $369,100
2023	$10,851.00 (+2.22%) Homeowner's exemption	$886,918 Land $532,151 Building $354,767	$1,191,690
2022	$10,615.00

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	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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