320 Rio del Mar Blvd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 320 Rio del Mar Blvd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,563 sqft · built 1965
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$1,150,000 (Jul 2020)
Tax Bill	$15,603 (2025)
Deeds & Mortgages	Feb 2022 Transfer Feb 2022 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`043-021-06`

Property Details

APN / Parcel Number

Primary APN	`043-021-06`
Alternative APN	`043-021-06-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,563 sqft Living Area
Gross Area	2,043 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Other
Lot Area	5,750 sqft (0.132 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	405 sqft
Patio Area	405 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	320 RIO DEL MAR BLVD
City	APTOS
State	CA
Zip	95003-5022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	APTOS BCH CNTRY CLB PROP 06
Legal Lot Number	31
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2014
Census Tract	122205

Owner

320 Rio del Mar Blvd is owned and occupied by an individual who acquired it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022
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
Feb 22, 2022	Intrafamily Transfer, Transfer
Feb 22, 2022	Intrafamily Transfer, Transfer · Line of Credit STAR ONE CU
Nov 4, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Nov 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage STAR ONE CU
Mar 19, 2021	Correction Deed
Jul 15, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE
May 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
May 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2020 · Amount on File
Deed Sale	Jul 15, 2020 · Amount on File
Prior Sale	Jun 6, 2012 · Amount on File
Deed Document Number	202025766
Last Transfer Date	Feb 9, 2022
Transfer Doc	0000005827
Record Updated	Sep 20, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 22, 2022
Property Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Document Number	0000005827
Map Reference	MB 23 PG 35
Instrument Date	Feb 9, 2022
Instrument	2022-0005827
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 22, 2022
Property Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Document Number	0000005825
Map Reference	MB 23 PG 35
Instrument Date	Feb 9, 2022
Instrument	2022-0005825
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022

Mortgage

Document Number	0000005826
Date	Feb 22, 2022
Instrument	2022-0005826

Lender

Name	STAR ONE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Apr 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 4, 2021
Property Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Document Number	0000055001
Map Reference	MB 23 PG 35
Instrument Date	Oct 28, 2021
Instrument	2021-0055001
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 4, 2021
Property Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Document Number	0000054999
Map Reference	MB 23 PG 35
Instrument Date	Oct 28, 2021
Instrument	2021-0054999
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022

Mortgage

Document Number	0000055000
Date	Nov 4, 2021
Instrument	2021-0055000

Lender

Name	STAR ONE CU
Type	Credit Union

Agreement

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

March 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 19, 2021
Property Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Document Number	0000016252
Map Reference	MB 23 PG 35
Instrument Date	Mar 17, 2021
Instrument	2021-0016252
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 15, 2020
Property Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Document Number	0000025766
Instrument Date	Jul 9, 2020
Instrument	25766
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,265.00
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	320 RIO DEL MAR BLVD APTOS CA 950035022, APTOS, CA 95003-5022

Mortgage

Document Number	25767
Date	Jul 15, 2020
Instrument	25767

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2050

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 12, 2017
Property Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Document Number	0000015850
Instrument Date	Apr 19, 2017
Instrument	15850
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	21561 REGNART RD CUPERTINO CA 950144818, CUPERTINO, CA 95014-4818

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 12, 2017
Property Address	320 RIO DEL MAR BLVD, APTOS, CA 95003-5022
Document Number	0000015849
Instrument Date	Apr 19, 2017
Instrument	15849
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	21561 REGNART RD CUPERTINO CA 950144818, CUPERTINO, CA 95014-4818

Tax Assessment & Valuation

The 2025 property tax bill for 320 Rio del Mar Blvd was $15,603 with a homeowner's exemption.

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		$1,269,693 (+2%) Land $939,573 Building $330,120
2025	$15,603.00 Homeowner's exemption	$1,244,797 Land $921,150 Building $323,647
2023	$14,207.00 (+2%) Homeowner's exemption	$1,196,460 Land $885,380 Building $311,080	$1,496,070
2022	$13,929.00

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

Flood

FEMA maps place 320 Rio del Mar Blvd 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	4 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 320 Rio del Mar Blvd 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 80% of the US · lower than 88% 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 712 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cruzio, Etheric Networks, T-Mobile, Verizon.

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