322 Palmer Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 322 Palmer Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,954 sqft · built 1958
Lot Size	0.125 acres (5,445 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,900,000 (Jul 2023)
Tax Bill	$23,519 (2025)
Deeds & Mortgages	Jul 2023 Sale Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-191-25`

Property Details

APN / Parcel Number

Primary APN	`044-191-25`
Alternative APN	`044-191-25-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,954 sqft Living Area
Gross Area	2,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2020
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,445 sqft (0.125 acres)
Garage Type	Attached
Garage Area	390 sqft
Parking Spaces	1 Parking Space
Deck Area	378 sqft
Patio Area	378 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	322 PALMER AVE
City	APTOS
State	CA
Zip	95003-5210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BCH CNTRY CLB PROP 01
Legal Block	14
Legal Lot Number	29
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1004
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	2 Individual Names on Record
Mailing Address	61 FORTUNA AVE, SAN FRANCISCO, CA 94115-3862
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2023 · Amount on Record
Deed Sale	Jul 28, 2023 · Amount on Record
Deed Document Number	202313909
Prior Transfer Date	Jun 26, 2003
Prior Transfer Doc	0000063555
Record Updated	Sep 20, 2026

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 28, 2023
Property Address	322 PALMER AVE, APTOS, CA 95003-5210
Document Number	0000013909
Map Reference	MB 23 PG 1
Instrument Date	Jul 14, 2023
Instrument	2023-0013909
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$2,090.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	61 FORTUNA AVE, SAN FRANCISCO, CA 94115-3862

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	322 PALMER AVE, APTOS, CA 95003-5210
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 PALMER AVE, APTOS, CA 95003-5210

Mortgage

Document Number	0000052065
Date	Oct 15, 2021
Instrument	2021-0052065

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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		$1,976,760 (+2%) Land $1,541,873 Building $434,887
2025	$23,519.00 (+256.89%)	$1,938,000 (+293.36%) Land $1,511,640 Building $426,360
2023	$6,590.00 (+2.55%) Homeowner's exemption	$492,676 (+2%) Land $245,060 Building $247,616	$1,662,390
2022	$6,426.00 Homeowner's exemption	$483,016 Land $240,254 Building $242,762

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 95% of the US · lower than 97% 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 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)

Nearby Properties on Palmer Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures