Santa Cruz County property record for 3570 Misty Ln, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,108 sqft · built 1982 |
| Lot Size | 3.74 acres (163,089 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,548,000 (Jul 2025) |
| Tax Bill | $10,676 (2025) |
| Deeds & Mortgages | Nov 2017 Line of Credit Aug 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-071-30 |
| Primary APN | 040-071-30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Building Area | 3,108 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 163,089 sqft |
| Terrain | Steep |
| Deck Area | 976 sqft |
| Patio Area | 976 sqft |
| Total Buildings | 2 Buildings |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Street Address | 3580 MISTY LN |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-2727 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 122001 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3580 MISTY LN, APTOS, CA 95003-2727 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Nov 3, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Aug 18, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 1, 2019 | Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSINESS ADMINISTRATI |
| Nov 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 2025 · Amount on Record |
| Deed Sale | Jul 22, 2025 · Amount on Record |
| Prior Sale | Apr 15, 2016 · Amount on Record |
| Deed Document Number | 202515141 |
| Prior Transfer Date | Jan 10, 1996 |
| Prior Transfer Doc | 0000003946 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3580 MISTY LN, APTOS, CA 95003-2727 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000037082 |
|---|---|
| Date | Nov 3, 2017 |
| Instrument | 2017-0037082 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 5, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3580 MISTY LN, APTOS, CA 95003-2727 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000027517 |
|---|---|
| Date | Aug 18, 2017 |
| Instrument | 2017-0027517 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3580 MISTY LN, APTOS, CA 95003-2727 |
| Document Number | 0000014854 |
| Instrument Date | Jun 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3580 MISTY LN APTOS CA 950032727, APTOS, CA 95003-2727 |
| Document Number | 0000014854 |
|---|---|
| Date | Jun 3, 2019 |
| Instrument | 14854 |
| Name | US SMALL BUSINESS ADMINISTRATI |
|---|---|
| Address | EL PASO, TX 79935 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jun 2, 2047 |
| Rate | 1.87% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3580 MISTY LN, APTOS, CA 95003-2727 |
| Document Number | 0000037327 |
| Instrument Date | Nov 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3580 MISTY LN APTOS CA 950032727, APTOS, CA 95003-2727 |
| Document Number | 0000037327 |
|---|---|
| Date | Nov 6, 2017 |
| Instrument | 37327 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | EL PASO, TX 79935 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Santa Cruz County assessment roll, as of August 19, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,497,568 (+67.45%) Land $950,000 Building $547,568 | ||
| 2025 | $10,676.00 (+9.34%) Homeowner's exemption | $894,359 (+4.04%) Land $544,547 Building $349,812 | |
| 2023 | $9,764.00 (+0.85%) Homeowner's exemption | $859,631 Land $523,402 Building $336,229 | $2,257,560 |
| 2022 | $9,682.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 43 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 25 (1982–2023) |
| Claims Outside the SFHA | 2 of 25 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
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 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Cruzio, Etheric Networks, Surfnet Communications, Verizon.
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