318 Palmer Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 318 Palmer Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,913 sqft · built 1976
Lot Size	0.138 acres (6,011 sqft)
Owner	Individual Name on File
Last Sale	$1,249,000 (May 2018)
Tax Bill	$17,676 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-191-23`

Property Details

APN / Parcel Number

Primary APN	`044-191-23`
Alternative APN	`044-191-23-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	1,913 sqft Living Area
Gross Area	2,343 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,011 sqft (0.138 acres)
Garage Type	Attached
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces
Deck Area	453 sqft
Patio Area	453 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	318 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 BEACH CC PROPS 01
Legal Lot Number	14
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1004
Census Tract	122203

Owner

318 Palmer Ave is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	318 PALMER AVE, APTOS, CA 95003-5210
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jun 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage MERIWEST CU
May 24, 2018	Grant Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2018 · Amount on File
Deed Sale	May 24, 2018 · Amount on File
Prior Sale	Aug 31, 2011 · Amount on File
Deed Document Number	201815833
Prior Transfer Date	May 23, 2006
Prior Transfer Doc	0000032528
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	318 PALMER AVE, APTOS, CA 95003-5210
Transaction Type	Mortgage
Record Updated	Jul 7, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 PALMER AVE, APTOS, CA 95003-5210

Mortgage

Document Number	0000034370
Date	Jun 24, 2021
Instrument	2021-0034370

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	318 PALMER AVE, APTOS, CA 95003-5210
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 PALMER AVE, APTOS, CA 95003-5210

Mortgage

Document Number	0000005030
Date	Jan 28, 2021
Instrument	2021-0005030

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	318 PALMER AVE, APTOS, CA 95003-5210
Document Number	0000020781
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Jul 23, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	318 PALMER AVE APTOS CA 950035210, APTOS, CA 95003-5210

Mortgage

Document Number	0000020781
Date	Jul 9, 2018
Instrument	20781

Lender

Name	MERIWEST CU
Type	Credit Union
Address	SAN JOSE, CA 95153-5353

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 8, 2043

Interest

Rate Type	Adjustable Rate

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 24, 2018
Property Address	318 PALMER AVE, APTOS, CA 95003-5210
Document Number	0000015833
Instrument Date	May 8, 2018
Instrument	15833
Transaction Type	Transfer
Record Updated	Jun 8, 2018
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,373.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	318 PALMER AVE APTOS CA 950035210, APTOS, CA 95003-5210

Mortgage

Document Number	15834
Date	May 24, 2018
Instrument	15834

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 23, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 318 Palmer Ave was $17,676.

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		$1,449,572 (+2%) Land $1,014,700 Building $434,872
2025	$17,676.00	$1,421,149 Land $994,804 Building $426,345
2023	$16,117.00 (+2.05%)	$1,365,964 Land $956,175 Building $409,789	$1,601,010
2022	$15,793.00

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

Flood

FEMA maps place 318 Palmer Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 318 Palmer Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 574 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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