Santa Cruz County property record for 3470 Merrill Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 6,104 sqft · built 1984 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $29,519 (2025) |
| Deeds & Mortgages | Jun 2026 Transfer Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-151-27 |
| Primary APN | 037-151-27 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 14 Rooms |
| Building Area | 6,104 sqft Living Area |
| Gross Area | 7,168 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 56,628 sqft |
| Terrain | Steep |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 1,064 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 2,350 sqft |
| Patio Area | 2,350 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3470 MERRILL RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-15 |
| Legal Subdivision | SOQUEL AUGMENTATION RHO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 122001 |
Source: Santa Cruz County records · APN 037-151-27
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 Company Names on File |
|---|---|
| Mailing Address | 3470 MERRILL RD, APTOS, CA 95003-3113 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 11, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Feb 05, 2025 |
| Transfer Doc | 0000002604 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 11, 2026 |
| Property Address | 3470 MERRILL RD, APTOS, CA 95003-3113 |
| Document Number | 0000013254 |
| Instrument Date | Nov 05, 2025 |
| Instrument | 202613254 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 3470 MERRILL RD, APTOS, CA 95003-3113 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3470 MERRILL RD, APTOS, CA 95003-3113 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2021 |
| Title Company | TITLE CONNECTION, TITLE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 3470 MERRILL RD, APTOS, CA 95003-3113 |
| Document Number | 0000050167 |
|---|---|
| Date | Oct 04, 2021 |
| Instrument | 2021-0050167 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.6% |
| Type Change Date | Nov 01, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.6% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.6% |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Secondary School District | Santa Cruz City High School District (9-12) (09 - 12) |
| Elementary School District | Soquel Elementary School District (KG - 08) |
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 | $2,501,077 (+2%) Land $1,010,047 Building $1,491,030 | ||
| 2025 | $29,519.00 (+9.05%) | $2,452,036 (+4.04%) Land $990,242 Building $1,461,794 | |
| 2023 | $27,068.00 (+0.67%) Homeowner's exemption | $2,356,820 Land $951,790 Building $1,405,030 | $2,232,000 |
| 2022 | $26,889.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), as of July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871220012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 | 4 in force |
| Wildfire Risk | Low lower than 67% of the US · lower than 81% of California |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: AT&T, Cruzio Internet, Etheric Communications, LLC., Surfnet Communications.
Based on FCC filings for 445 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system CA4410017, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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