323 Loyola Dr, Aptos, CA 95003 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,180 sqft · built 1963
Lot Size	0.251 acres (10,934 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (Apr 2012)
Tax Bill	$10,995 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit May 2021 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`044-192-55`

Property Details

APN / Parcel Number

Primary APN	`044-192-55`
Alternative APN	`044-192-55-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,180 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	10,934 sqft (0.251 acres)
Terrain	Steep
Deck Area	982 sqft
Patio Area	9,821 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	323 LOYOLA DR
City	APTOS
State	CA
Zip	95003-5227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Description	BLK 15 LOT 8
Legal Subdivision	APTOS BEACH CC PROPS 01
Legal Lot Number	8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122203

Owner

Source: Santa Cruz County records, as of August 24, 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	323 LOYOLA DR, APTOS, CA 95003-5227
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
May 4, 2021	Deed of Trust, Mortgage · Line of Credit BAY FCU
Aug 29, 2025	Intrafamily Transfer, Transfer · Line of Credit BAY FCU
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Nov 8, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK
Dec 9, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 23, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF NAT'L TR & SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2012 · Amount on Record
Deed Sale	Apr 27, 2012 · Amount on Record
Prior Sale	Jan 26, 2004 · Amount on Record
Deed Document Number	201220449
Last Transfer Date	Dec 9, 2019
Transfer Doc	0000038710
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	323 LOYOLA DR, APTOS, CA 95003-5227
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 LOYOLA DR, APTOS, CA 95003-5227
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022104
Date	Aug 1, 2022
Instrument	2022-0022104

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	323 LOYOLA DR, APTOS, CA 95003-5227
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 LOYOLA DR, APTOS, CA 95003-5227
Investor	Possibly a Property Investor

Mortgage

Document Number	0000025537
Date	May 4, 2021
Instrument	2021-0025537

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 29, 2025
Property Address	323 LOYOLA DR, APTOS, CA 95003-5227
Document Number	0000018265
Map Reference	MB 23 PG 1
Instrument Date	Aug 25, 2025
Instrument	2025-0018265
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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	Community Property with Right of Survivorship
Address	323 LOYOLA DR, APTOS, CA 95003-5227

Mortgage

Document Number	0000018266
Date	Aug 29, 2025
Instrument	2025-0018266

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	323 LOYOLA DR, APTOS, CA 95003-5227
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 LOYOLA DR, APTOS, CA 95003-5227

Mortgage

Document Number	0000004734
Date	Jan 27, 2021
Instrument	2021-0004734

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	323 LOYOLA DR, APTOS, CA 95003-5227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034878
Date	Nov 8, 2019
Instrument	2019-0034878

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	323 LOYOLA DR, APTOS, CA 95003-5227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032321
Date	Oct 21, 2019
Instrument	2019-0032321

Lender

Name	CHEMICAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 9, 2019
Property Address	323 LOYOLA DR, APTOS, CA 95003-5227
Document Number	0000038710
Instrument Date	Dec 9, 2019
Instrument	38710
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	323 LOYOLA DR APTOS CA 950035227, APTOS, CA 95003-5227

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	323 LOYOLA DR, APTOS, CA 95003-5227
Document Number	0000006788
Instrument Date	Feb 23, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 LOYOLA DR APTOS CA 950035227, APTOS, CA 95003-5227

Mortgage

Document Number	0000006788
Date	Mar 6, 2018
Instrument	6788

Lender

Name	BANK OF NAT'L TR & SVGS
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$853,942 (+2%) Land $484,286 Building $369,656
2025	$10,995.00 (+13.02%) Homeowner's exemption	$837,198 (+6.97%) Land $474,790 Building $362,408
2023	$9,728.00 (+4.69%) Homeowner's exemption	$782,638 Land $456,353 Building $326,285	$1,647,900
2022	$9,292.00

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 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)

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