324 Palmer Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 324 Palmer Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,960 sqft · built 1961
Lot Size	0.116 acres (5,053 sqft)
Owner	2 Individual Names on File
Last Sale	$1,599,000 (Apr 2021)
Tax Bill	$20,833 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-191-26`

Property Details

APN / Parcel Number

Primary APN	`044-191-26`
Alternative APN	`044-191-26-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,960 sqft Living Area
Gross Area	2,312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2015
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,053 sqft (0.116 acres)
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	324 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 BEACH CC PROPERTIES
Legal Block	YH
Legal Lot Number	30
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1004
Census Tract	122203

Owner

324 Palmer Ave is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	324 PALMER AVE, APTOS, CA 95003-5210
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2021 · Amount on File
Deed Sale	Apr 7, 2021 · Amount on File
Prior Sale	May 9, 2007 · Amount on File
Deed Document Number	202120240
Prior Transfer Date	Feb 8, 1957
Prior Transfer Doc	0000053331
Record Updated	Sep 20, 2026

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 7, 2021
Property Address	324 PALMER AVE, APTOS, CA 95003-5210
Document Number	0000020240
Map Reference	MB 23 PG 1
Instrument Date	Apr 5, 2021
Instrument	2021-0020240
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,758.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	324 PALMER AVE, APTOS, CA 95003-5210

Mortgage

Document Number	0000020241
Date	Apr 7, 2021
Instrument	2021-0020241

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 324 Palmer Ave was $20,833 with a homeowner's exemption.

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		$1,741,592 (+2%) Land $1,235,798 Building $505,794
2025	$20,833.00 Homeowner's exemption	$1,707,443 Land $1,211,566 Building $495,877
2023	$19,020.00 (+2.01%) Homeowner's exemption	$1,641,141 Land $1,164,520 Building $476,621	$1,673,730
2022	$18,645.00

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

Flood

FEMA maps place 324 Palmer Ave 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 324 Palmer Ave is low, with 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 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

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