347 Los Altos Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 347 Los Altos Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,625 sqft · built 1971
Lot Size	0.108 acres (4,704 sqft)
Owner	Individual Name on File
Last Sale	$589,000 (Aug 2002)
Tax Bill	$13,523 (2025)
Deeds & Mortgages	Jul 2017 Reverse Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-201-05`

Property Details

APN / Parcel Number

Primary APN	`044-201-05`
Alternative APN	`044-201-05-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,625 sqft Living Area
Gross Area	2,076 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Wood
Roof Material	Other
Lot Area	4,704 sqft (0.108 acres)
Garage Type	Attached
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	347 LOS ALTOS DR
City	APTOS
State	CA
Zip	95003-5248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Description	BLK 16 LOT 5
Legal Subdivision	APTOS BEACH CC PROP
Legal Block	16
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1020
Census Tract	122203

Owner

347 Los Altos Dr is owned and occupied by an individual who bought it in August 2002.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	347 LOS ALTOS DR, APTOS, CA 95003-5248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2017	Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING LLC
Jul 17, 2020	Grant Deed, Transfer · Conventional Mortgage PLANET HM LNDG
Jun 30, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2002 · Amount on File
Deed Sale	Aug 1, 2002 · Amount on File
Prior Sale	Mar 27, 2001 · Amount on File
Deed Document Number	200254651
Prior Transfer Date	Aug 4, 1998
Prior Transfer Doc	0000046961
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	347 LOS ALTOS DR, APTOS, CA 95003-5248
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022223
Date	Jul 7, 2017
Instrument	2017-0022223

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	655 Months
Due	Feb 7, 2072

Interest

Rate Type	Adjustable Rate
Rate	4.48%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	347 LOS ALTOS DR, APTOS, CA 95003-5248
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	347 LOS ALTOS DR, APTOS, CA 95003-5248

Mortgage

Document Number	0000001986
Date	Jan 13, 2021
Instrument	2021-0001986

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

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

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 17, 2020
Property Address	347 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000026220
Instrument Date	Jul 8, 2020
Instrument	26220
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,078.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	347 LOS ALTOS DR APTOS CA 950035248, APTOS, CA 95003-5248

Mortgage

Document Number	26221
Date	Jul 17, 2020
Instrument	26221

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	347 LOS ALTOS DR, APTOS, CA 95003-5248
Document Number	0000022224
Instrument Date	Jun 30, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	OLDE REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	347 LOS ALTOS DR APTOS CA 950035248, APTOS, CA 95003-5248

Mortgage

Document Number	0000022224
Date	Jul 7, 2017
Instrument	22224

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	660 Months
Due	Jul 6, 2072

Interest

Rate Type	Adjustable Rate
Rate	4.48%

Tax Assessment & Valuation

The 2025 property tax bill for 347 Los Altos Dr was $13,523 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		$1,081,999 (+2%) Land $811,499 Building $270,500
2025	$13,523.00 Homeowner's exemption	$1,060,784 Land $795,588 Building $265,196
2023	$12,293.00 (+2.17%) Homeowner's exemption	$1,019,592 Land $764,694 Building $254,898	$996,210
2022	$12,032.00

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

Flood

FEMA maps place 347 Los Altos Dr 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 347 Los Altos 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 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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