Santa Cruz County property record for 346 Treasure Island Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,484 sqft · built 1963 |
| Lot Size | 0.091 acres (3,964 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $649,000 (Jul 2004) |
| Tax Bill | $11,758 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-181-57 |
| Primary APN | 042-181-57 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,484 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Construction Type | Wood |
| Lot Area | 3,964 sqft (0.091 acres) |
| View / Lot | Ocean |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 346 TREASURE ISLAND DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4573 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-3.5 |
| Legal Subdivision | APTOS BCH CNTRY CLB PROP 05 |
| Legal Block | 59 |
| Legal Lot Number | 45 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 122205 |
346 Treasure Island Dr is owned and occupied by two individuals who acquired it in May 2015.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 346 TREASURE ISLAND DR, APTOS, CA 95003-4573 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2004 · Amount on File |
| Deed Sale | Jul 16, 2004 · Amount on File |
| Deed Document Number | 200451484 |
| Last Transfer Date | May 25, 2015 |
| Transfer Doc | 0000025086 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 346 TREASURE ISLAND DR, APTOS, CA 95003-4573 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 346 TREASURE ISLAND DR, APTOS, CA 95003-4573 |
| Document Number | 0000050476 |
|---|---|
| Date | Nov 25, 2020 |
| Instrument | 2020-0050476 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 346 Treasure Island Dr was $11,758 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $922,748 (+2%) Land $639,810 Building $282,938 | ||
| 2025 | $11,758.00 Homeowner's exemption | $904,655 Land $627,265 Building $277,390 | |
| 2023 | $10,669.00 (+2.23%) Homeowner's exemption | $869,527 Land $602,908 Building $266,619 | $1,045,800 |
| 2022 | $10,436.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 346 Treasure Island Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 63 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 63 in force |
| Nearby Flood Claims | 7 (2023) |
| Most Recent Claim | Sep 2023 · tidal / storm surge |
| Claims by Event |
|
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 risk around 346 Treasure Island Dr 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 80% of the US · lower than 88% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 564 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Cruzio, Etheric Networks, Surfnet Communications.
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