Santa Cruz County property record for 345 Flume Rd, Aptos, CA 95003 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2010 |
| Square Footage | 2,871 sqft Living Area |
| Lot Size | 14 acres |
| Occupancy | Owner Occupied |
| Last Sale | $1,575,000 (2021) |
| Tax Bill | $20,144.00 (2025) |
| Primary APN | 105-141-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 2,871 sqft Living Area |
| Gross Area | 3,192 sqft Gross Area |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Wood Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 612,802 sqft |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 321 sqft Garage |
| Deck Area | 1,111 sqft Deck |
| Patio Area | 1,111 sqft Patio |
| Topography | Steep Topography |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Street Address | 345 FLUME RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-9747 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Subdivision | SOQUEL AUGMENTATION RHO |
| Jurisdiction | SANTA CRUZ CA |
| Minor Civil Division | SANTA CRUZ |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 122002 |
Source: Santa Cruz County records · APN 105-141-16
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 345 FLUME RD, APTOS, CA 95003-9747 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 10, 2022 | Intrafamily Transfer, Transfer |
| Oct 08, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC |
| Feb 17, 2021 | Grant Deed, Transfer · Commercial Mortgage EMILY OW 1975 TRUST |
| Jul 19, 2017 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Mar 21, 2018 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) FREMONT BANK |
| Jan 27, 2020 | Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Jul 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) OPES ADVISORS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 17, 2021 · Amount on Record |
| Deed Sale | Feb 17, 2021 · Amount on Record |
| Prior Sale | Jan 27, 2020 · Amount on Record |
| Deed Doc Number | 202110138 |
| Last Transfer Date | Oct 26, 2022 |
| Transfer Doc | 0000030463 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Nov 10, 2022 |
| Property Address | 345 FLUME RD, APTOS, CA 95003-9747 |
| Document Number | 0000030463 |
| Instrument Date | Oct 22, 2022 |
| Instrument | 2022-0030463 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 345 FLUME RD, APTOS, CA 95003-9747 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 345 FLUME RD, APTOS, CA 95003-9747 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2021 |
| Title Company | TICOR TITLE COMPANY/CA, TICOR TITLE COMPANY OF CA |
| Name | Verified Name |
|---|---|
| Address | 345 FLUME RD, APTOS, CA 95003-9747 |
| Document Number | 0000051149 |
|---|---|
| Date | Oct 08, 2021 |
| Instrument | 2021-0051149 |
| Name | CELEBRITY HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | VILLA PARK, IL 60181 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Feb 17, 2021 |
| Property Address | 345 FLUME RD, APTOS, CA 95003-9747 |
| Document Number | 0000010138 |
| Instrument Date | Feb 10, 2021 |
| Instrument | 2021-0010138 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property (Marital Community) with Rights of Survivorship |
| Address | 345 FLUME RD, APTOS, CA 95003-9747 |
| Document Number | 0000010139 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 2021-0010139 |
| Name | EMILY OW 1975 TRUST |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 345 FLUME RD, APTOS, CA 95003-9747 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000023585 |
|---|---|
| Date | Jul 19, 2017 |
| Instrument | 2017-0023585 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 345 FLUME RD, APTOS, CA 95003-9747 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000008436 |
|---|---|
| Date | Mar 21, 2018 |
| Instrument | 2018-0008436 |
| Name | FREMONT BANK |
|---|---|
| Type | Bank |
| Address | LIVERMORE, CA 94551 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Apr 01, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 9.37% |
| Index | 1-Year LIBOR |
| Max Rate | 9.37% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 27, 2020 |
| Property Address | 345 FLUME RD, APTOS, CA 95003-9747 |
| Document Number | 0000003030 |
| Instrument Date | Jan 20, 2020 |
| Instrument | 3030 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,008.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 345 FLUME RD APTOS CA 950039747, APTOS, CA 95003-9747 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 345 FLUME RD, APTOS, CA 95003-9747 |
| Document Number | 0000023584 |
| Instrument Date | Jul 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2017 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 345 FLUME RD APTOS CA 950039747, APTOS, CA 95003-9747 |
| Document Number | 0000023584 |
|---|---|
| Date | Jul 19, 2017 |
| Instrument | 23584 |
| Name | OPES ADVISORS |
|---|---|
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 18, 2047 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,738,927 (+2%) Land $1,186,887 Building $552,040 | ||
| 2025 | $20,144.00 (+9.12%) Homeowner's exemption | $1,704,831 (+4.04%) Land $1,163,615 Building $541,216 | |
| 2023 | $18,460.00 (+1.86%) Homeowner's exemption | $1,638,630 Land $1,118,430 Building $520,200 | $1,554,390 |
| 2022 | $18,123.00 |
345 Flume Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Santa Cruz County (06087C), updated July 10, 2019
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 62nd percentile of exposed land nationally · 38th in California |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 510 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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