3476 Valencia Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3476 Valencia Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,470 sqft · built 1922
Lot Size	3.11 acres (135,472 sqft)
Owner	2 Company Names on Record
Last Sale	$710,000 (Aug 2013)
Tax Bill	$10,250 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-491-02`

Property Details

APN / Parcel Number

Primary APN	`041-491-02`
Alternative APN	`041-491-02-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,470 sqft Living Area
Gross Area	2,238 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	135,472 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Deck Area	1,240 sqft
Patio Area	1,240 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	3476 VALENCIA RD
City	APTOS
State	CA
Zip	95003-9631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Subdivision	RIO DEL MAR ESTATES
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2002
Census Tract	122204

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 Company Names on Record
Mailing Address	3476 VALENCIA RD, APTOS, CA 95003-9631
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CENTRAL CU
Feb 3, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2013 · Amount on Record
Deed Sale	Aug 13, 2013 · Amount on Record
Deed Document Number	201340763
Last Transfer Date	Nov 7, 2024
Transfer Doc	0000023694
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3476 VALENCIA RD, APTOS, CA 95003-9631
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3476 VALENCIA RD, APTOS, CA 95003-9631

Mortgage

Document Number	0000039594
Date	Jul 28, 2021
Instrument	2021-0039594

Lender

Name	COMMONWEALTH CENTRAL CU
Type	Credit Union
Address	SAN JOSE, CA 95164

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 3, 2021
Property Address	3476 VALENCIA RD, APTOS, CA 95003-9631
Document Number	0000006420
Instrument Date	Jan 15, 2021
Instrument	2021-0006420
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3476 VALENCIA RD, APTOS, CA 95003-9631

Mortgage

Document Number	0000006421
Date	Feb 3, 2021
Instrument	2021-0006421

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

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		$917,452 (+5.41%) Land $718,969 Building $198,483
2025	$10,250.00 (+9.65%) Homeowner's exemption	$870,364 (+4.04%) Land $704,872 Building $165,492
2023	$9,348.00 (+1.02%) Homeowner's exemption	$836,566 Land $677,501 Building $159,065	$1,142,370
2022	$9,254.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	CENTRAL WATER DISTRICT serves 2,726 people · EPA ID CA4410018
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 1 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, Etheric Networks, Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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