Santa Cruz County property record for 3175 Terrace Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,661 sqft · built 1978 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $800,000 (Aug 2018) |
| Tax Bill | $11,614 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage May 2020 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-083-03 |
| Primary APN | 039-083-03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,661 sqft Living Area |
| Gross Area | 2,175 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 7,100 sqft (0.163 acres) |
| Terrain | Steep |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 514 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3175 TERRACE DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-10 |
| Legal Subdivision | APTOS TERRACE |
| Legal Lot Number | 49 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 122004 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 3175 TERRACE DR, APTOS, CA 95003-3322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Mar 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| May 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Dec 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EVOLVE BANK & TRUST |
| Aug 31, 2018 | Grant Deed, Transfer · Conventional Mortgage TIAA FSB |
| Jan 24, 2017 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Jan 24, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2018 · Amount on Record |
| Deed Sale | Aug 31, 2018 · Amount on Record |
| Deed Document Number | 201826823 |
| Prior Transfer Date | Jan 17, 2017 |
| Prior Transfer Doc | 0000002788 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3175 TERRACE DR, APTOS, CA 95003-3322 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FATC |
| Name | Verified Name |
|---|
| Document Number | 0000007896 |
|---|---|
| Date | Mar 6, 2020 |
| Instrument | 2020-0007896 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3175 TERRACE DR, APTOS, CA 95003-3322 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FATC |
| Name | Verified Name |
|---|
| Document Number | 0000018227 |
|---|---|
| Date | May 28, 2020 |
| Instrument | 2020-0018227 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3175 TERRACE DR, APTOS, CA 95003-3322 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3175 TERRACE DR, APTOS, CA 95003-3322 |
| Document Number | 0000054371 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 2020-0054371 |
| Name | EVOLVE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38119 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 31, 2018 |
| Property Address | 3175 TERRACE DR, APTOS, CA 95003-3322 |
| Document Number | 0000026823 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 26823 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $880.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 3175 TERRACE DR APTOS CA 950033322, APTOS, CA 95003-3322 |
| Document Number | 26824 |
|---|---|
| Date | Aug 31, 2018 |
| Instrument | 26824 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 30, 2048 |
| Document Number | 26822, |
|---|---|
| Date | Aug 31, 2018 |
| Instrument | 26822 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 30, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 24, 2017 |
| Property Address | 3175 TERRACE DR, APTOS, CA 95003-3322 |
| Document Number | 0000002787 |
| Instrument Date | Jan 17, 2017 |
| Instrument | 2787 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3175 TERRACE DR APTOS CA 950033322, APTOS, CA 95003-3322 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 24, 2017 |
| Property Address | 3175 TERRACE DR, APTOS, CA 95003-3322 |
| Document Number | 0000002788 |
| Instrument Date | Jan 17, 2017 |
| Instrument | 2788 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3175 TERRACE DR APTOS CA 950033322, APTOS, CA 95003-3322 |
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 | $910,263 (+2%) Land $637,184 Building $273,079 | ||
| 2025 | $11,614.00 (+10.23%) Homeowner's exemption | $892,416 (+4.04%) Land $624,691 Building $267,725 | |
| 2023 | $10,536.00 (+1.5%) Homeowner's exemption | $857,762 Land $600,433 Building $257,329 | $924,930 |
| 2022 | $10,380.00 |
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 |
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 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, Etheric Networks, Surfnet Communications, Verizon.
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