308 Palmer Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 308 Palmer Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,924 sqft · built 1974
Lot Size	0.181 acres (7,884 sqft)
Owner	Individual Name on Record
Last Sale	$1,925,000 (May 2022)
Tax Bill	$24,625 (2025)
Deeds & Mortgages	May 2022 Transfer May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-191-20`

Property Details

APN / Parcel Number

Primary APN	`044-191-20`
Alternative APN	`044-191-20-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,924 sqft Living Area
Gross Area	2,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,884 sqft (0.181 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	405 sqft
Patio Area	405 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	308 PALMER AVE
City	APTOS
State	CA
Zip	95003-5210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BCH CC PROPS SUB #1
Legal Block	14
Legal Lot Number	22
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1004
Census Tract	122203

Owner

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	308 PALMER AVE, APTOS, CA 95003-5210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Affidavit of Death of Joint Tenant, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
May 18, 2022	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Mar 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage MONEY SOURCE
Feb 17, 2017	Grant Deed, Transfer · Conventional Mortgage OPES ADVISORS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2022 · Amount on Record
Deed Sale	May 18, 2022 · Amount on Record
Prior Sale	Feb 17, 2017 · Amount on Record
Deed Document Number	202215712
Prior Transfer Date	May 11, 2022
Prior Transfer Doc	0000015711
Record Updated	Sep 20, 2026

May 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SANTA CRUZ CA
Recording Date	May 18, 2022
Property Address	308 PALMER AVE, APTOS, CA 95003-5210
Document Number	0000015711
Map Reference	VOL 23 PG 1
Instrument Date	May 11, 2022
Instrument	2022-0015711
Transaction Type	Transfer
Record Updated	May 31, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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
Address	6301 HERZOG ST, OAKLAND, CA 94608-1219

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 18, 2022
Property Address	308 PALMER AVE, APTOS, CA 95003-5210
Document Number	0000015712
Map Reference	VOL 23 PG 1
Instrument Date	May 11, 2022
Instrument	2022-0015712
Transaction Type	Transfer
Record Updated	May 31, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,117.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	308 PALMER AVE, APTOS, CA 95003-5210

Mortgage

Document Number	0000015713
Date	May 18, 2022
Instrument	2022-0015713

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	308 PALMER AVE, APTOS, CA 95003-5210
Document Number	0000009366
Instrument Date	Mar 24, 2018
Transaction Type	Mortgage
Record Updated	Apr 13, 2018
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Contract Purchaser
Address	308 PALMER AVE APTOS CA 950035210, APTOS, CA 95003-5210

Mortgage

Document Number	0000009366
Date	Mar 29, 2018
Instrument	9366

Lender

Name	MONEY SOURCE
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2048

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 17, 2017
Property Address	308 PALMER AVE, APTOS, CA 95003-5210
Document Number	0000005915
Map Reference	MB23 PG1
Instrument Date	Feb 13, 2017
Instrument	2017-0005915
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	308 PALMER AVE, APTOS, CA 95003-5210

Mortgage

Document Number	0000005916
Date	Feb 17, 2017
Instrument	2017-0005916

Lender

Name	OPES ADVISORS INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Mortgage

Document Number	0000005917
Date	Feb 17, 2017
Instrument	2017-0005917

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$2,083,682 (+2%) Land $1,458,577 Building $625,105
2025	$24,625.00 (+9.04%) Homeowner's exemption	$2,042,826 (+4.04%) Land $1,429,978 Building $612,848
2023	$22,584.00 (+90.33%)	$1,963,500 Land $1,374,450 Building $589,050
2022	$11,866.00
2021			$1,387,620

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	0.02% 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 712 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cruzio, Etheric Networks, T-Mobile, Verizon.

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