321 Los Altos Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 321 Los Altos Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,576 sqft · built 1964
Lot Size	0.114 acres (4,966 sqft)
Owner	Individual Name on Record
Last Sale	$850,000 (Nov 2018)
Tax Bill	$12,329 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`044-201-16`

Property Details

APN / Parcel Number

Primary APN	`044-201-16`
Alternative APN	`044-201-16-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,576 sqft Living Area
Gross Area	2,031 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,966 sqft (0.114 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	455 sqft
Parking Spaces	2 Parking Spaces
Deck Area	599 sqft
Patio Area	599 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	321 LOS ALTOS DR
City	APTOS
State	CA
Zip	95003-5248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Description	BLK 16 LOT 18
Legal Subdivision	APTOS BEACH CC PROPS 01
Legal Lot Number	18
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1020
Census Tract	122203

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 1135, LOS GATOS, CA 95031-1135
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2020	Deed of Trust, Mortgage · Conventional with PMI GOLDEN 1 CU
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU
Nov 1, 2018	Quit Claim Deed, Transfer Quitclaim
Nov 1, 2018	Grant Deed, Transfer OPES ADVISORS
Nov 1, 2018	Affidavit of Death, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2018 · Amount on Record
Deed Sale	Nov 1, 2018 · Amount on Record
Prior Sale	Jul 24, 1998 · Amount on Record
Deed Document Number	201832968
Prior Transfer Date	Oct 29, 2018
Prior Transfer Doc	0000033021
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	321 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000014114
Instrument Date	Apr 18, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 1135 LOS GATOS CA 950311135, LOS GATOS, CA 95031-1135

Mortgage

Document Number	0000014114
Date	Apr 24, 2020
Instrument	14114

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	321 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000029700
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 1135 LOS GATOS CA 950311135, LOS GATOS, CA 95031-1135

Mortgage

Document Number	0000029700
Date	Sep 30, 2019
Instrument	29700

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95825

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 1, 2018
Property Address	321 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000033021
Instrument Date	Oct 29, 2018
Instrument	33021
Transaction Type	Transfer
Record Updated	Nov 19, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	321 LOS ALTOS DR APTOS CA 950035248, APTOS, CA 95003-5248

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 1, 2018
Property Address	321 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000032968
Instrument Date	Oct 26, 2018
Instrument	32968
Transaction Type	Transfer
Record Updated	Nov 19, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$935.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1135 LOS GATOS CA 950311135, LOS GATOS, CA 95031-1135

Mortgage

Document Number	32969
Date	Nov 1, 2018
Instrument	32969

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2048

November 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 1, 2018
Property Address	321 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000032967
Instrument Date	Oct 26, 2018
Instrument	32967
Transaction Type	Transfer
Record Updated	Nov 19, 2018
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 4010 FELTON CA 950180286, FELTON, CA 95018-0286

Tax Assessment & Valuation

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		$967,155 (+2%) Land $725,366 Building $241,789
2025	$12,329.00 (+10.11%)	$948,191 (+4.04%) Land $711,143 Building $237,048
2023	$11,197.00 (+2.19%)	$911,372 Land $683,529 Building $227,843	$900,000
2022	$10,957.00

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

Flood

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 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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