Santa Cruz County property record for 3198 Terrace Dr, Aptos, CA 95003 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1965 |
| Square Footage | 1,984 sqft Living Area |
| Lot Size | 6,578 sqft (0.151 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $557,500 (2011) |
| Tax Bill | $9,520.00 (2025) |
| Primary APN | 039-092-02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,984 sqft Living Area |
| Gross Area | 2,384 sqft Gross Area |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Construction Type | Wood Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,578 sqft (0.151 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 400 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 3198 TERRACE DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3322 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Jurisdiction | SANTA CRUZ CA |
| Minor Civil Division | SANTA CRUZ |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 122004 |
Source: Santa Cruz County records · APN 039-092-02
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 Individual Names on File |
|---|---|
| Mailing Address | 3198 TERRACE DR, APTOS, CA 95003-3322 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PREMIER MORTGAGE RESOURCES LLC |
| Mar 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 10, 2011 · Amount on Record |
| Deed Sale | Nov 10, 2011 · Amount on Record |
| Prior Sale | Mar 30, 2011 · Amount on Record |
| Deed Doc Number | 201146683 |
| Prior Transfer Date | Dec 10, 2002 |
| Prior Transfer Doc | 0000091793 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3198 TERRACE DR, APTOS, CA 95003-3322 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2022 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3198 TERRACE DR, APTOS, CA 95003-3322 |
| Document Number | 0000062475 |
|---|---|
| Date | Dec 29, 2021 |
| Instrument | 2021-0062475 |
| Name | PREMIER MORTGAGE RESOURCES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PORTLAND, OR 97209 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3198 TERRACE DR, APTOS, CA 95003-3322 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000010613 |
|---|---|
| Date | Mar 27, 2020 |
| Instrument | 2020-0010613 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2040 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
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 | $714,257 (+2%) Land $428,554 Building $285,703 | ||
| 2025 | $9,520.00 (+10.54%) | $700,252 (+4.04%) Land $420,151 Building $280,101 | |
| 2023 | $8,612.00 (+2.34%) | $673,060 Land $403,836 Building $269,224 | $1,131,300 |
| 2022 | $8,415.00 |
3198 Terrace Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Santa Cruz County (06087C), updated July 10, 2019
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 46th percentile of exposed land nationally · 27th in California |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,250 per year |
| Exposure | Indirect within ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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