3577 Valencia Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3577 Valencia Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,121 sqft · built 1988
Lot Size	0.681 acres (29,664 sqft)
Owner	Individual Name on Record
Last Sale	$1,752,000 (Aug 2021)
Tax Bill	$21,430 (2025)
Deeds & Mortgages	Mar 2024 Transfer Aug 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`041-751-10`

Property Details

APN / Parcel Number

Primary APN	`041-751-10`
Alternative APNs	`041-751-10-000` `04126150000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	4,121 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Lot Area	29,664 sqft (0.681 acres)

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3577 VALENCIA RD
City	APTOS
State	CA
Zip	95003-9617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	CARTER
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1001
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	Individual Name on Record
Mailing Address	3577 VALENCIA RD, APTOS, CA 95003-9617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2024	Intrafamily Transfer, Transfer
Aug 17, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 2, 2021	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
May 21, 2020	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Aug 27, 2019	Affidavit of Death, Transfer ATTORNEY ONLY
Aug 27, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2021 · Amount on Record
Deed Sale	Aug 2, 2021 · Amount on Record
Deed Document Number	202140488
Last Transfer Date	Mar 19, 2024
Transfer Doc	0000005051
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 19, 2024
Property Address	3577 VALENCIA RD, APTOS, CA 95003-9617
Document Number	0000005051
Map Reference	MB 1249 PG 336
Instrument Date	Mar 19, 2024
Instrument	2024-0005051
Transaction Type	Transfer
Record Updated	Apr 5, 2024

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	3577 VALENCIA RD, APTOS, CA 95003-9617

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3577 VALENCIA RD, APTOS, CA 95003-9617
Transaction Type	Mortgage
Record Updated	Aug 30, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3577 VALENCIA RD, APTOS, CA 95003-9617

Mortgage

Document Number	0000015438
Date	Aug 17, 2023
Instrument	2023-0015438

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 2, 2021
Property Address	3577 VALENCIA RD, APTOS, CA 95003-9617
Document Number	0000040488
Map Reference	MB 1249 PG 336
Instrument Date	Jul 27, 2021
Instrument	2021-0040488
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3577 VALENCIA RD, APTOS, CA 95003-9617

Mortgage

Document Number	0000040489
Date	Aug 2, 2021
Instrument	2021-0040489

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3577 VALENCIA RD, APTOS, CA 95003-9617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017436
Date	May 21, 2020
Instrument	2020-0017436

Lender

Name	COMERICA BANK
Type	Bank
Address	AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 27, 2019
Property Address	3577 VALENCIA RD, APTOS, CA 95003-9617
Document Number	0000025022
Instrument Date	Aug 27, 2019
Instrument	25022
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3577 VALENCIA RD APTOS CA 950039617, APTOS, CA 95003-9617

August 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 27, 2019
Property Address	3577 VALENCIA RD, APTOS, CA 95003-9617
Document Number	0000025024
Instrument Date	Aug 27, 2019
Instrument	25024
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3577 VALENCIA RD APTOS CA 950039617, APTOS, CA 95003-9617

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		$1,896,422 (+2%) Land $1,043,032 Building $853,390
2025	$21,430.00 (+9.15%) Homeowner's exemption	$1,859,236 (+4.04%) Land $1,022,580 Building $836,656
2023	$19,634.00 (+1.78%) Homeowner's exemption	$1,787,040 Land $982,872 Building $804,168	$1,676,520
2022	$19,290.00

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 46% of the US · lower than 72% of California
Wildfire Likelihood	0.08% 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 (outdoors only) and 4G LTE

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