326 Palmer Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 326 Palmer Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,312 sqft · built 1965
Lot Size	0.105 acres (4,574 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,650,000 (Feb 2026)
Tax Bill	$18,078 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-191-27`

Property Details

APN / Parcel Number

Primary APN	`044-191-27`
Alternative APN	`044-191-27-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,312 sqft Living Area
Gross Area	1,742 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2020
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Other
Lot Area	4,574 sqft (0.105 acres)
Garage Type	Attached
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces
Deck Area	195 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	326 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 PROPS 01
Legal Block	14
Legal Lot Number	31
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	326 PALMER AVE, APTOS, CA 95003-5210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 6, 2026	Grant Deed, Transfer · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
Dec 8, 2023	Grant Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2026 · Amount on Record
Deed Sale	Feb 6, 2026 · Amount on Record
Prior Sale	Dec 8, 2023 · Amount on Record
Deed Document Number	20262646
Prior Transfer Date	May 14, 1996
Prior Transfer Doc	0000028280
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	326 PALMER AVE, APTOS, CA 95003-5210
Transaction Type	Mortgage
Record Updated	Feb 18, 2026
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 PALMER AVE, APTOS, CA 95003-5210

Mortgage

Document Number	0000057542
Date	Nov 23, 2021
Instrument	2021-0057542

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Dec 1, 2026
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	Other
Max Rate	7.75%

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 6, 2026
Property Address	326 PALMER AVE, APTOS, CA 95003-5210
Document Number	0000002646
Map Reference	MB 23 PG 1
Instrument Date	Feb 2, 2026
Instrument	2026-0002646
Transaction Type	Transfer
Record Updated	Feb 18, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,815.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	326 PALMER AVE, APTOS, CA 95003-5210

Mortgage

Document Number	0000002647
Date	Feb 6, 2026
Instrument	2026-0002647

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 8, 2023
Property Address	326 PALMER AVE, APTOS, CA 95003-5210
Document Number	0000023583
Map Reference	MB 23 PG 1
Instrument Date	Nov 24, 2023
Instrument	2023-0023583
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	326 PALMER AVE, APTOS, CA 95003-5210

Mortgage

Document Number	0000023584
Date	Dec 8, 2023
Instrument	2023-0023584

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

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		$1,664,640 (+2%) Land $1,032,077 Building $632,563
2025	$18,078.00 (+7.47%)	$1,632,000 (+103.42%) Land $1,011,840 Building $620,160
2024	$16,821.00 (+69.21%)
2023	$9,941.00 (+2.27%) Homeowner's exemption	$802,269 Land $481,361 Building $320,908	$1,330,740
2022	$9,720.00

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)

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