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320 Cliff Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 320 Cliff Dr, Aptos, CA 95003 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms4 Baths
Year BuiltBuilt 1986
Square Footage3,356 sqft Living Area
Lot Size9,583 sqft (0.22 acres)
OccupancyOwner Occupied
Last Sale$2,379,000 (2026)
Tax Bill$22,988.00 (2025)

Property Details

APN / Parcel Number

Primary APN043-232-04
Alternative APN
  • 043-232-04-000

Interior

Bedrooms3 Beds
Full Baths4 Baths
Total Rooms10 Rooms
Building Area3,356 sqft Living Area
Gross Area3,980 sqft Gross Area
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Construction TypeWood Construction
Roof ConstructionSawtooth Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,583 sqft (0.22 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area624 sqft Garage
Deck Area192 sqft Deck
Patio Area192 sqft Patio

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemCentral Heating
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address320 CLIFF DR
CityAPTOS
StateCA
Zip95003-5136
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionAPTOS BEACH COUNTRY CLUB BLK 00084 LOT 000004 MAP 000023 00035
Legal SubdivisionAPTOS BEACH CC PROPS
Legal Lot Number4
JurisdictionSANTA CRUZ CA
Minor Civil DivisionSANTA CRUZ
Census Blockgroup1
Census Block1017
Census Tract122205

Owner

Source: Santa Cruz County records · APN 043-232-04

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 RecordIndividual Name on File
Mailing Address320 CLIFF DR, APTOS, CA 95003-5136
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Jul 15, 2025Deed of Trust, Mortgage
FREEMODEL INC
May 08, 2026Grant Deed, Transfer · Conventional Mortgage
BKL FINANCIAL INC
Nov 12, 2020Quit Claim Deed, Transfer
CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO
Nov 12, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
LOANDEPOT.COM LLC
May 03, 2017Quit Claim Deed, Transfer
Quitclaim Document

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 08, 2026 · Amount on Record
Deed SaleMay 08, 2026 · Amount on Record
Prior SaleAug 28, 2007 · Amount on Record
Deed Doc Number202610515
Prior Transfer DateOct 29, 2020
Prior Transfer Doc0000047751
Record RefreshedSep 20, 2026

July 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address320 CLIFF DR, APTOS, CA 95003-5136
Transaction TypeMortgage
Record UpdatedMay 26, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address320 CLIFF DR, APTOS, CA 95003-5136

Mortgage

Document Number0000014548
DateJul 15, 2025
Instrument2025-0014548
Lender
NameFREEMODEL INC
TypeNon-Lending Institution
AddressBURLINGAME, CA 94010
Agreement
AmountAmount Recorded

May 2026: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateMay 08, 2026
Property Address320 CLIFF DR, APTOS, CA 95003-5136
Document Number0000010515
Instrument DateMay 06, 2026
Instrument2026.10515
Transaction TypeTransfer
Record UpdatedMay 28, 2026
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$264,306.90
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address320 CLIFF DR, APTOS, CA 95003-5136

Mortgage

Document Number0000010516,
DateMay 08, 2026
Instrument2026.10516
Lender
NameBKL FINANCIAL INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeFixed Rate
Rate6.38%
Initial TypeFixed Rate
Max Rate-1%

November 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateNov 12, 2020
Property Address320 CLIFF DR, APTOS, CA 95003-5136
Document Number0000047751
Instrument DateOct 29, 2020
Instrument47751
Transaction TypeTransfer
Record UpdatedNov 26, 2020
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address320 CLIFF DR APTOS CA 950035136, APTOS, CA 95003-5136

November 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateNov 12, 2020
Property Address320 CLIFF DR, APTOS, CA 95003-5136
Document Number0000047749
Map ReferenceMB 23 PG 35
Instrument DateOct 29, 2020
Instrument2020-0047749
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyCHICAGO TITLE INSURANCE CO

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants In Common
Address320 CLIFF DR, APTOS, CA 95003-5136

Mortgage

Document Number0000047750
DateNov 12, 2020
Instrument2020-0047750
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueNov 01, 2035

May 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateMay 03, 2017
Property Address320 CLIFF DR, APTOS, CA 95003-5136
Document Number0000014763
Instrument DateJan 05, 2017
Instrument14763
Transaction TypeTransfer
Record UpdatedMay 16, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer
  • Partial Interest

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address320 CLIFF DR APTOS CA 950035136, APTOS, CA 95003-5136

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$1,936,002 (+2%) Land $1,161,602 Building $774,400
2025$22,988.00 (+9.46%)$1,898,040 (+4.04%) Land $1,138,824 Building $759,216
2023$21,002.00 (+1.98%) Homeowner's exemption$1,824,338 Land $1,094,602 Building $729,736$1,959,750
2022$20,594.00

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