3196 Terrace Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3196 Terrace Dr, Aptos, CA 95003 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2.5 Baths
Year Built	Built 1971
Square Footage	2,945 sqft Living Area
Lot Size	6,447 sqft (0.148 acres)
Last Sale	$425,000 (1999)
Tax Bill	$7,981.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`039-092-03`
Alternative APN	`039-092-03-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	8 Rooms
Building Area	2,945 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Wood Construction
Roof Material	Composition Shingle Roof
Lot Area	6,447 sqft (0.148 acres)
Deck Area	377 sqft Deck
Patio Area	377 sqft Patio
Topography	Steep Topography

Utilities and HVAC

Sewage	Septic Sewage
Water Source	Commercial Water Source

Location & Zoning

Street Address	3196 TERRACE DR
City	APTOS
State	CA
Zip	95003-3350
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	MAP 001338 00237
Jurisdiction	SANTA CRUZ CA
Minor Civil Division	SANTA CRUZ
Census Blockgroup	1
Census Block	1002
Census Tract	122004

Owner

Source: Santa Cruz County records · APN 039-092-03

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 Record	2 Company Names on File
Mailing Address	3794 JEFFERSON AVE, REDWOOD CITY, CA 94062-3140
Owner Type	Owner is a Company
Vesting	Owner is a Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 25, 1999 · Amount on Record
Deed Sale	May 25, 1999 · Amount on Record
Deed Doc Number	199936589
Last Transfer Date	Jul 17, 2024
Transfer Doc	0000015708
Record Refreshed	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3196 TERRACE DR, APTOS, CA 95003-3350
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029369
Date	Sep 27, 2019
Instrument	2019-0029369

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2034

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$679,611 (+2%) Land $407,767 Building $271,844
2025	$7,981.00 (+9.92%)	$666,286 (+4.04%) Land $399,772 Building $266,514
2023	$7,261.00 (+1.87%)	$640,413 Land $384,248 Building $256,165	$1,513,620
2022	$7,128.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 27% of California
Wildfire Likelihood	About 1 in 1,250 per year
Exposure	Indirect within ember reach

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