1. Home
  2. California
  3. Santa Cruz County
  4. Aptos
  5. Terrace Dr

3168 Terrace Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3168 Terrace Dr, Aptos, CA 95003

Property Summary

Property TypeSingle Family Home
Details1 bd · 1 ba · 732 sqft · built 1950
Lot Size0.213 acres (9,278 sqft)
Owner2 Individual Names on File
Last Sale$330,000 (Jun 2011)
Tax Bill$6,304 (2025)
Deeds & MortgagesJul 2026 Mortgage
Jul 2022 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN039-092-04

Property Details

APN / Parcel Number

Primary APN039-092-04
Alternative APN
  • 039-092-04-000

Interior

Bedrooms1 Bed
Full Baths1 Bath
Total Rooms3 Rooms
Building Area732 sqft Living Area
Gross Area1,200 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area9,278 sqft (0.213 acres)
Garage TypeAttached
Garage Area468 sqft
Parking Spaces2 Parking Spaces
Deck Area232 sqft
Patio Area232 sqft

Utilities, Heating & Cooling

Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address3168 TERRACE DR
CityAPTOS
StateCA
Zip95003-3322
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-10
Legal SubdivisionAPTOS TERRACE
Legal Lot Number50
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1002
Census Tract122004

Owner

Source: Santa Cruz County records · APN 039-092-04

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3168 TERRACE DR, APTOS, CA 95003-3322
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 31, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jul 11, 2022Intrafamily Transfer, Transfer
Jan 21, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Jan 16, 2020Deed of Trust, Mortgage · Conventional Mortgage
OWNING CORPORATION
Mar 21, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 24, 2011 · Amount on Record
Deed SaleJun 24, 2011 · Amount on Record
Prior SaleMay 05, 1999 · Amount on Record
Deed Document Number201125290
Last Transfer DateJul 05, 2022
Transfer Doc0000020235
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Recording DateJul 31, 2026
Property Address3168 TERRACE DR, APTOS, CA 95003-3322
Document Number0000017305
Instrument DateJul 25, 2026
Instrument202617305
Transaction TypeMortgage
Record UpdatedAug 11, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust, 221
Address3168 TERRACE DR, APTOS, CA 95003-3322
InvestorPossibly a Property Investor

Mortgage

Document Number0000017305,
DateJul 31, 2026
Instrument202617305
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueAug 01, 2041
Interest
Rate TypeFixed Rate
Rate5.84%
Initial TypeFixed Rate
Max Rate-1%

July 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateJul 11, 2022
Property Address3168 TERRACE DR, APTOS, CA 95003-3322
Document Number0000020235
Instrument DateJul 05, 2022
Instrument2022-0020235
Transaction TypeTransfer
Record UpdatedJun 07, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address3168 TERRACE DR, APTOS, CA 95003-3322
InvestorPossibly a Property Investor

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address3168 TERRACE DR, APTOS, CA 95003-3322
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanySTEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address3168 TERRACE DR, APTOS, CA 95003-3322

Mortgage

Document Number0000003499
DateJan 21, 2021
Instrument2021-0003499
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2051

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address3168 TERRACE DR, APTOS, CA 95003-3322
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyORANGE COAST TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001699
DateJan 16, 2020
Instrument2020-0001699
Lender
NameOWNING CORPORATION
TypeNon-Lending Institution
AddressORANGE, CA 92868
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2050

March 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateMar 21, 2018
Property Address3168 TERRACE DR, APTOS, CA 95003-3322
Document Number0000008484
Instrument DateMar 02, 2018
Instrument8484
Transaction TypeTransfer
Record UpdatedApr 03, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address3168 TERRACE DR APTOS CA 950033322, APTOS, CA 95003-3322

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$431,245 (+2%) Land $258,747 Building $172,498
2025$6,304.00 (+11.58%) Homeowner's exemption$422,789 (+4.04%) Land $253,673 Building $169,116
2023$5,650.00 (+2.41%) Homeowner's exemption$406,372 Land $243,823 Building $162,549$659,880
2022$5,517.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskModerate
above 46% of the US · lower than 72% of California
Wildfire Likelihood0.08% annual chance
ExposureIndirect
within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Based on FCC filings for 554 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSOQUEL CREEK WATER DISTRICT
serves 40,962 people
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

Nearby Properties on Terrace Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures