Santa Cruz County property record for 3121 Porter Gulch Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,564 sqft · built 1982 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $598,000 (Mar 1999) |
| Tax Bill | $11,160 (2025) |
| Deeds & Mortgages | Nov 2022 Transfer May 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-161-45 |
| Primary APN | 037-161-45 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,564 sqft Living Area |
| Gross Area | 3,136 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 40,946 sqft (0.94 acres) |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 346 sqft |
| Patio Area | 346 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3121 PORTER GULCH RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-2704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-1AC |
| Legal Description | MAP 000000 00000 |
| Legal Subdivision | PM28 75 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 122001 |
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 Company Names on Record |
|---|---|
| Mailing Address | 3121 PORTER GULCH RD, APTOS, CA 95003-2704 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 10, 2022 | Intrafamily Transfer, Transfer |
| May 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 2, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Aug 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION |
| Sep 6, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 1999 · Amount on Record |
| Deed Sale | Mar 26, 1999 · Amount on Record |
| Deed Document Number | 199921648 |
| Prior Transfer Date | Aug 10, 1995 |
| Prior Transfer Doc | 0000041282 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Nov 10, 2022 |
| Property Address | 3121 PORTER GULCH RD, APTOS, CA 95003-2704 |
| Document Number | 0000030454 |
| Map Reference | VOL 28 PG 75 |
| Instrument Date | Nov 7, 2022 |
| Instrument | 2022-0030454 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3121 PORTER GULCH RD, APTOS, CA 95003-2704 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3121 PORTER GULCH RD, APTOS, CA 95003-2704 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 10098 SOQUEL DR, APTOS, CA 95003-4926 |
| Document Number | 0000025144 |
|---|---|
| Date | May 3, 2021 |
| Instrument | 2021-0025144 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3121 PORTER GULCH RD, APTOS, CA 95003-2704 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TIT |
| Name | Verified Name |
|---|---|
| Address | 3121 PORTER GULCH RD, APTOS, CA 95003-2704 |
| Document Number | 0000034418 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 2020-0034418 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | UTICA, NY 13505 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3121 PORTER GULCH RD, APTOS, CA 95003-2704 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORANGE COAST TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000029638 |
|---|---|
| Date | Aug 6, 2020 |
| Instrument | 2020-0029638 |
| Name | WINNPOINTE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 176 Months |
| Due | Apr 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3121 PORTER GULCH RD, APTOS, CA 95003-2704 |
| Document Number | 0000029366 |
| Instrument Date | Sep 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 10098 SOQUEL DR APTOS CA 950034926, APTOS, CA 95003-4926 |
| Document Number | 0000029366 |
|---|---|
| Date | Sep 27, 2019 |
| Instrument | 29366 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 26, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Secondary School District | Santa Cruz City High School District (9-12) (09 - 12) |
| Elementary School District | Soquel Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $956,256 (+2%) Land $431,753 Building $524,503 | ||
| 2025 | $11,160.00 (+7.32%) | $937,507 (+4.04%) Land $423,288 Building $514,219 | |
| 2024 | $10,399.00 (+1.85%) | ||
| 2023 | $10,210.00 (+0.85%) Homeowner's exemption | $901,102 Land $406,851 Building $494,251 | $1,600,830 |
| 2022 | $10,124.00 |
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 · 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 | 4 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Cruzio, Etheric Networks, Surfnet Communications, Verizon.
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