Santa Cruz County property record for 3067 Terrace Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,904 sqft · built 1994 |
| Lot Size | 0.206 acres (8,973 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,750,000 (Aug 2025) |
| Tax Bill | $15,299 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Mar 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-361-30 |
| Primary APN | 039-361-30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 2,904 sqft Living Area |
| Gross Area | 3,448 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 8,973 sqft (0.206 acres) |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 544 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3067 TERRACE DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-8 |
| Legal Subdivision | VINEYARD TERRACE TR #1318 |
| Legal Lot Number | 4 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 122004 |
Source: Santa Cruz County assessment roll, 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 File |
|---|---|
| Mailing Address | 3067 TERRACE DR, APTOS, CA 95003-3300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 22, 2025 | Grant Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Mar 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jun 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Nov 27, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage OPES ADVISORS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 22, 2025 · Amount on Record |
| Deed Sale | Aug 22, 2025 · Amount on Record |
| Deed Document Number | 202517718 |
| Prior Transfer Date | Nov 20, 2018 |
| Prior Transfer Doc | 0000035269 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 22, 2025 |
| Property Address | 3067 TERRACE DR, APTOS, CA 95003-3300 |
| Document Number | 0000017718 |
| Map Reference | VOL 84 PG 52 |
| Instrument Date | Aug 18, 2025 |
| Instrument | 2025-0017718 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3067 TERRACE DR, APTOS, CA 95003-3300 |
| Document Number | 0000017719 |
|---|---|
| Date | Aug 22, 2025 |
| Instrument | 2025-0017719 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Sep 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.2% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3067 TERRACE DR, APTOS, CA 95003-3300 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000010844 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 2020-0010844 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3067 TERRACE DR, APTOS, CA 95003-3300 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000017789 |
|---|---|
| Date | Jun 28, 2019 |
| Instrument | 2019-0017789 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Nov 27, 2018 |
| Property Address | 3067 TERRACE DR, APTOS, CA 95003-3300 |
| Document Number | 0000035269 |
| Instrument Date | Nov 20, 2018 |
| Instrument | 35269 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3067 TERRACE DR APTOS CA 950033300, APTOS, CA 95003-3300 |
| Document Number | 35270 |
|---|---|
| Date | Nov 27, 2018 |
| Instrument | 35270 |
| Name | OPES ADVISORS |
|---|---|
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 26, 2048 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,750,000 (+43.63%) Land $1,225,000 Building $525,000 | ||
| 2025 | $15,299.00 (+9.86%) Homeowner's exemption | $1,218,367 (+4.04%) Land $690,862 Building $527,505 | |
| 2023 | $13,926.00 (+2.11%) Homeowner's exemption | $1,171,056 Land $664,035 Building $507,021 | $1,592,640 |
| 2022 | $13,638.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Indirect within ember reach |
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 |
| 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.
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 Internet, Etheric Communications, LLC., Surfnet Communications, Verizon.
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