3142 Trout Gulch Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3142 Trout Gulch Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,879 sqft · built 1936
Lot Size	3.68 acres (160,431 sqft)
Owner	Individual Name on Record
Last Sale	$1,250,000 (Nov 2022)
Tax Bill	$15,496 (2025)
Deeds & Mortgages	Dec 2025 Transfer Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-121-18`

Property Details

APN / Parcel Number

Primary APN	`105-121-18`
Alternative APN	`105-121-18-000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Building Area	3,879 sqft Living Area
Gross Area	4,381 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1977
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	160,431 sqft
Garage Type	Attached
Garage Area	502 sqft
Deck Area	Deck Area
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3140 TROUT GULCH RD
City	APTOS
State	CA
Zip	95003-2602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	MAP B3 974
Legal Block	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122002

Owner

Source: Santa Cruz County records, as of August 24, 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	3140 TROUT GULCH RD, APTOS, CA 95003-2602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Affidavit of Death of Joint Tenant, Transfer
Nov 2, 2022	Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Nov 14, 2018	Deed of Trust, Mortgage ADOLFO GARCIA-NABA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2022 · Amount on Record
Deed Sale	Nov 2, 2022 · Amount on Record
Deed Document Number	202229828
Prior Transfer Date	Jun 22, 1999
Prior Transfer Doc	0000044430
Record Updated	Oct 29, 2026

December 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 2, 2025
Property Address	3142 TROUT GULCH RD, APTOS, CA 95003-2602
Document Number	0000025829
Instrument Date	Nov 24, 2025
Instrument	2025-0025829
Transaction Type	Transfer
Record Updated	Dec 18, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3140 TROUT GULCH RD, APTOS, CA 95003-2602

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 2, 2022
Property Address	3142 TROUT GULCH RD, APTOS, CA 95003-2602
Document Number	0000029828
Instrument Date	Oct 27, 2022
Instrument	2022-0029828
Transaction Type	Transfer
Record Updated	Sep 5, 2023
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	$1,375.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale 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	3140 TROUT GULCH RD, APTOS, CA 95003-2602

Mortgage

Document Number	0000029829
Date	Nov 2, 2022
Instrument	2022-0029829

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3140 TROUT GULCH RD, APTOS, CA 95003-2602
Document Number	0000034627
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Dec 13, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3140 TROUT GULCH RD APTOS CA 950032602, APTOS, CA 95003-2602

Mortgage

Document Number	0000034627
Date	Nov 20, 2018
Instrument	34627

Lender

Name	ADOLFO GARCIA-NABA
Address	831 WALKER ST, WATSONVILLE, CA 95076-4116

Agreement

Amount	Amount Recorded

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		$1,326,510 (+2%) Land $1,018,760 Building $307,750
2025	$15,496.00 (+331.04%) Homeowner's exemption	$1,300,500 (+378.44%) Land $998,784 Building $301,716
2023	$3,595.00 (+0.2%) Homeowner's exemption	$271,822 Land $146,435 Building $125,387	$1,099,530
2022	$3,588.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims

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	Moderate above 56% of the US · lower than 67% of California
Wildfire Likelihood	0.1% 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	TROUT GULCH MUTUAL WATER COMPANY private · serves 614 people · EPA ID CA4400502
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	4 ppb (2025–2027) 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Etheric Networks, Xfinity.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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