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321 Spyglass Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 321 Spyglass Way, Aptos, CA 95003

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,514 sqft · built 1999
Lot Size0.158 acres (6,882 sqft)
OwnerCompany Name on Record
Last Sale$455,000 (May 1999)
Tax Bill$9,594 (2025)
Deeds & MortgagesMay 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN044-301-35

Property Details

APN / Parcel Number

Primary APN044-301-35
Alternative APN
  • 044-301-35-000

Interior

Bedrooms5 Beds
Full Baths3 Baths
Total Rooms10 Rooms
Building Area2,514 sqft Living Area
Gross Area2,994 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Construction TypeWood
Roof MaterialTile
Lot Area6,882 sqft (0.158 acres)
Garage TypeAttached
Garage Area480 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address321 SPYGLASS WAY
CityAPTOS
StateCA
Zip95003-4751
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-8
Legal SubdivisionRIO HIGHLANDS
Legal Lot Number35
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group3
Census Block3000
Census Tract122205

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordCompany Name on Record
Mailing Address321 SPYGLASS WAY, APTOS, CA 95003-4751
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 20, 1999 · Amount on Record
Deed SaleMay 20, 1999 · Amount on Record
Deed Document Number199935662
Last Transfer DateJul 6, 2000
Transfer Doc0000035779
Record UpdatedSep 20, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address321 SPYGLASS WAY, APTOS, CA 95003-4751
Transaction TypeMortgage
Record UpdatedJun 11, 2021
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address321 SPYGLASS WAY, APTOS, CA 95003-4751

Mortgage

Document Number0000030143
DateMay 28, 2021
Instrument2021-0030143
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
AddressHORSHAM, PA 19044
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$727,505 (+2%) Land $367,791 Building $359,714
2025$9,594.00 (+10.57%) Homeowner's exemption$713,240 (+4.04%) Land $360,579 Building $352,661
2023$8,677.00 (+2.35%) Homeowner's exemption$685,544 Land $346,577 Building $338,967$1,517,220
2022$8,478.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 63 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies63 in force
Nearby Flood Claims7 (2023)
Most Recent ClaimSep 2023 · tidal / storm surge
Claims by Event
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims

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 RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemSOQUEL CREEK WATER DISTRICT
serves 40,962 people · EPA ID CA4410017
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 511 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Surfnet Communications
Fixed Wireless		100 / 20

May also be available: Cruzio, Etheric Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spyglass Way

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