323 Los Altos Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 323 Los Altos Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,920 sqft · built 2005
Lot Size	0.119 acres (5,184 sqft)
Owner	2 Individual Names on File
Last Sale	$1,649,000 (Apr 2025)
Tax Bill	$15,099 (2025)
Deeds & Mortgages	Dec 2021 Reverse Mortgage Jul 2020 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`044-201-15`

Property Details

APN / Parcel Number

Primary APN	`044-201-15`
Alternative APN	`044-201-15-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,920 sqft Living Area
Gross Area	2,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,184 sqft (0.119 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	378 sqft
Patio Area	378 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	323 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	MAP A1 994
Legal Subdivision	APTOS BCH CNTRY CLB PROP 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

323 Los Altos Dr is owned and occupied by two individuals who bought it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	490 PALISADE DR, MARINA, CA 93933-5203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Dec 13, 2021	Intrafamily Transfer, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jul 9, 2020	Correction Deed, Transfer ATTORNEY ONLY
Apr 7, 2020	Correction Deed, Transfer ATTORNEY ONLY
Mar 27, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 13, 2018	Reverse Mortgage, Transfer FINANCE OF AMERICA REVERSE
Sep 13, 2018	Quit Claim Deed, Transfer MORTGAGE INFORMATION SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2025 · Amount on File
Deed Sale	Apr 4, 2025 · Amount on File
Prior Sale	May 25, 2005 · Amount on File
Deed Document Number	20256709
Prior Transfer Date	Apr 30, 2021
Prior Transfer Doc	0000060140
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 13, 2021
Property Address	323 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000060140
Map Reference	MB 23 PG 1
Instrument Date	Apr 30, 2021
Instrument	2021-0060140
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	BOSTON NATIONAL TTL AGCY LLC

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	Living Trust
Address	323 LOS ALTOS DR, APTOS, CA 95003-5248

Mortgage

Document Number	0000060141
Date	Dec 13, 2021
Instrument	2021-0060141

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 9, 2020
Property Address	323 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000024914
Instrument Date	Jun 24, 2020
Instrument	24914
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	323 LOS ALTOS DR APTOS CA 950035248, APTOS, CA 95003-5248

April 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 7, 2020
Property Address	323 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000011934
Instrument Date	Apr 6, 2020
Instrument	11934
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	323 LOS ALTOS DR APTOS CA 950035248, APTOS, CA 95003-5248

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 27, 2020
Property Address	323 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000010616
Instrument Date	Sep 21, 2018
Instrument	10616
Transaction Type	Transfer
Record Updated	Apr 29, 2020
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	Living Trust
Address	323 LOS ALTOS DR APTOS CA 950035248, APTOS, CA 95003-5248

September 2018: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 13, 2018
Property Address	323 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000027995
Instrument Date	Sep 7, 2018
Instrument	27995
Transaction Type	Transfer
Record Updated	Oct 1, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	323 LOS ALTOS DR APTOS CA 950035248, APTOS, CA 95003-5248

Mortgage

Document Number	27996
Date	Sep 13, 2018
Instrument	27996

Lender

Name	FINANCE OF AMERICA REVERSE
Address	8023 E 63RD PL # 700, TULSA, OK 74133-1240

Agreement

Amount	Amount on Record

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 13, 2018
Property Address	323 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000027994
Instrument Date	Sep 7, 2018
Instrument	27994
Transaction Type	Transfer
Record Updated	Sep 27, 2018
Title Company	MORTGAGE INFORMATION SERVICES

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 LOS ALTOS DR APTOS CA 950035248, APTOS, CA 95003-5248

Tax Assessment & Valuation

The 2025 property tax bill for 323 Los Altos Dr was $15,099 with a homeowner's exemption, up 7.7% from the year before.

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		$1,189,123 (-0.93%) Land $832,386 Building $356,737
2025	$15,099.00 (+7.72%)	$1,200,257 Land $906,048 Building $294,209
2024	$14,017.00 (+1.99%)
2023	$13,744.00 (+2.13%) Homeowner's exemption	$1,153,650 Land $870,865 Building $282,785	$1,026,540
2022	$13,458.00

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

Flood

FEMA maps place 323 Los Altos Dr 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	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

Wildfire risk around 323 Los Altos Dr is low, with less than 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 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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